Self-professed neurodivergent

Daughter of two lawyers

Confused why men ask her what she does for a living on dates, "she's the prize"

Reliant on her parents completely for finances

Finished internship "at a tech company" "program management"

Parents want her to pay her own darn bills (she doesn't), has had arguments about it

Psych degree last year

Internship from March to August

"I enjoy being funemployed" timestamp - uses this word repeatedly

Aspiring social media personality? Plan is to get viral "doing something" so she can start selling merch timestamp

Pays for - utility bills, "some of" food, "some of" nights out

Parents both lawyers timestamp

"You're not gonna get tiktok famous from this show so I hope you're not thinking that." timestamp

"I've been through so much" timestamp

• was called "Miss Piggy" in high school because she was overweight, still seething about it

Didn't give them a statement for the CC timestamp

• Companion card "she knows if I had my own credit card I would be in massive amounts of debt"

• Not sure what the balance is on her card

• Hard cut to baby product ad placement

"Honestly, I just want to be a stay-at-home pilates wife, like not gonna lie, jobs and me do not get along" timestamp

She doesn't know what a CC statement is timestamp

She's missing payments, her mother is on this card too timestamp

Caleb seethes about her blowing at him timestamp

Convo about parents enabling her, mentions a lot of her friends are in the same position? timestamp

She is proud of graduating college timestamp

• really proud of her extracurricular? "cross country, track, a sorority"

• Some D3 university? timestamp

A lot of my scamfluencer friends are funemployed timestamp

• Life coaching, dating coaching, fitness coaching

• She is getting a National Academy of Sports Medicine certification?

CC Statement (4908) timestamp

• $568 minimum payment

• No payment history

• Thinks her parents have been paying? Caleb does not see any payments made at all

• Thinks her mother does not know what her balance is?

• On trips they just "girlmath it on the Amex" ? timestamp

  • "Sister is one of the most hard-working people?"

  • Family is mad at her, arguing over finances

  • Blew her chance at the internship since she didn't get a job offer out of it?

• Crime victim timestamp

  • sexual assault victim?

• Reads out her spending timestamp

• "My dad, I really hope he doesn't watch this because he is gonna flip out" timestamp

• Thinks she spent 1000 total last month, actually it was 7549 [timestamp](

  • There was a hotel fee on there that was nearly a thousand all on its lonesome

• "I don't want to feel like I'm missing out just because I don't have like a cushy job like they do" timestamp

She tries to discuss politics timestamp

• She fails to explain what tax she would want

Owes for a class timestamp

• "Social media package from one of my besties" - aforementioned scamfluencer I assume

• $2'000 - Five strategy sessions how to make captivating content

• "She works in corporate"

"This guy she knows has a large following on Instagram and she paid him $350 and didn't know what he was talking about" timestamp

• Advice on how to run her socials

• Did not get the value she wanted out of it

• 100,000 Tiktok followers

• "How come I'm not able to get followers on tiktok?!"

  • "Because you don't make interesting or engaging content that resonates with people!"

"Was going to do a plant medicine retreat and paid for it and couldn't go because of her medication" timestamp

• I really did want to go to that but I didn't do my research

• Mentions that she is training for a marathon right now

"Everyone in my family has been successful but me, I'm like cursed or something" timestamp

• "I need to go to like ABA [Applied Behavior Analysis] or something"

Has been having medical issues she doesn't want to talk about timestamp

• "Really really set me back in my internship"

Hates the tech industry because the "entitled" guys she's gone out with in the tech industry have made her split the bill timestamp

• "No offense, I would have made you split the bill because I wouldn't have enjoyed the date"

Wants to try and monetize her frivolous spending (through social media) timestamp

Ran a background search on a prospective date to see if he had a criminal record timestamp

Can't stop herself from ordering UberEats

Calls her mother timestamp

• Caleb doesn't talk

• "I feel like you and dad give me too much leniency with my finances" - Cringekino

• Questions about her investment account? "I've been keeping track of the stock that I have"

• Mother is extremely nice and understanding of her fail-daughter

Age 29

timestamp

• buys house sight unseen with divorce bucks (330,000/600,000)

• 100,000 more renovating since it was a disaster

• the rest on "spending"

• was spending 5000 a month in past relationship

timestamp

• together for 10, married for 5

• met when she was 19 and he was 40

• "So I definitely think I was groomed in the beginning"

• "So he used money to control me" timestamp

• "He thought that I was cheating on him" claims she wasn't

• thinks she should have taken more

More divorce details timestamp

Debt deets timestamp

CC - $29,294/$29,500, just purchased 6,000 more onto it, 793 interest each month, 3000 this year so far

• "I didn't understand how interest works when I started that card" timestamp

• "Explain interest to me" - she tries

• Transactions get read off - timestamp

• Notable - Sims micro-transactions, "I own all the expansions," Pelaton subscription, $100 "Waterbean" coffee, ChatGPT subscription

• Trying to dispute a LinkedIn Premium she forgot to cancel, Caleb presses her

• "What is the difference between paying something with my debit card and using my credit card?" timestamp

• "I get airline miles which is how I flew here"

• "I have like 400,000 airline miles"

• 2 Cars, both on her credit since his was bad he drives one timestamp

  • 1727 due on his car,

  • 2 months past due - On autopay but there wasn't money so it didn't get paid, claims she's paid it now since husband got 4k on first paycheck (normally 3300, thinks 58,000 yearly), band director, musician on side ("percussionist"),

  • Mazda SUV, $34,000,

  • more than $800 minimum payment a month she doesn't know specifics, 10% interest rate

    • Was underwater on previous car, rolled over onto this one? High twenties purchase price on this car

  • Mazda 3 (2024), hers timestamp

    • Regrets purchasing this one

    • Old car was fully paid off 2016 Mazda 3, she wanted a new car because husband got a new car

    • Worth 28,000 and 18,000 left on it

• purchased a sofa with a subwoofer (using CC) when she had divorce bux

• 4 dogs and 2 cats

• "I'm allergic to both dogs and cats and pollen and trees and grass" timestam

Other CCs not paid off but not as gigantic, not as interesting

How much do you think you spent in a month? timestamp

• thinks 5 or 6 thousand, it's actually $10,333

• Presses the b-word on why she's not actually trying to fix things timestamp

"I had heard about debt consolidation" timestamp

Investing timestamp

• Does not know what an index fund is

• Does not know what the S&P 500 is. "Is that like stocks?"

• "I have like Starbucks stocks, I think, maybe"

Tries to ask her about the school's band timestamp

Caleb went to same Uni as husband at the same time, shits on the music program there and their football program timestamp

• She found him through tiktok, "every time he hears your voice he's like turn that off"

• Caleb recognizes him

• Husband says "his voice is annoying"

• Ton of student loan debt, got a Master's - has not been making payments? On some income-based thing?

  • "Hopefully like there is a change in presidency" timestamp

Went to Europe last summer timestamp

• ran up CC balance

• "money doesn't go as far as I thought"

Budget Breakdown

• Mentions that she didn't know property tax existed?

Might have made some mistakes I lost track of things in some parts

• 0 minutes - 11 minutes, no timestamps, it's wall to wall content.

  • Stealing 40'000 a year from mother while also leeching a salary separate from this from mother's business, mother "forgets"

  • Mother has caught on before but has not done anything because she "forgets," then starts again

  • Bought a new outfit just for coming on this show, spent $100 at a restaurant for lunch

  • Took a 'loan' from her mother for an 2100 wedding ring she told her mom was 3000, mother has "forgotten" about this "loan"

  • Brother is also stealing from the family business something about Steam giftcards

Collections on some bills

• In collections on some bills

Car Loan (2016 Suburu Crosstrek) (15477 remaining) timestamp

• "Does not really care to make more than one payment on car a month"

  • Mom cosigned on the car

  • If not "I would still make the payments but they would be late"

  • Some bullshit about paycheck timing, spending the whole paycheck before receiving it on going out to eat, "going out to do things"

• $386 minimum payment

• 13.47% interest rate

• "How's the condition of your car?" timestamp

  • "Bumper's coming off" this r-slur rammed into a pole at a gas station last year "kinda bumped into it a little hard," blames ex for saying they were not going to run into it

  • AC has some kind of leak

  • "Husband says my brake pads might be shot"

• Split finances with husband, starting to combine, married a month

  • "He's a little bit better with spending than I am"

  • Husband does not have any debt

  • Husband encourages her theft? timestamp

    • Some weird details in here

• Thinks it's worth 10'000 timestamp

  • Original loan was for 19'000, 72 months, "my parents left midway through the paperwork and I didn't understand what I was signing" "I thought a 13% interest rate was good because like my credit card"

• R-SLUR does not know that the S&P 500 is timestamp

• Capital One Quicksilver ($400?) timestamp

  • Sob story about why opened, "wanted to spend money" is what it comes down to

  • 660 credit when this was opened

  • Maxed it out "really quick"

  • Just keeps making minimum payments, "kept going through hardships"

  • fights with mother, wouldn't steal money when these happened for fear of upsetting mother timestamp

  • "My mom actually paid it off" timestamp

    • "She paid it off to make my credit score higher"

  • Built the balance all the way back up timestamp

    • Blew lots of money on Temu, Caleb has refused sponsorships from them, "they are a terrible company"

  • "I had actually lost a bunch of weight, my clothes were all too big on me"

    • "I had no money so I used my credit card"

    • Bariatric surgery, stomach sleeve? "tried to diet but couldn't keep doing it"

    • Mother paid for the surgery, 16'000, ended up gaining all of the weight back because couldn't stop eating McDonald's

    • Mother then paid for her to get on weight-loss shots

    • Mother just paid again for "tummy tuck and liposuction"

      • Why Lipo? "My mom told me I probably wouldn't be able to get rid of it" Mother knows this r-slur has no self-control

      • Had to get woken up mid-surgery?

  • Didn't tell mother the balance is back up

• Claims to be doing better but spent $500 going out to eat timestamp

  • "Sometimes I go out to more expensive places"

• Misc bullshit alone is more than monthly income

• Student Loans timestamp

  • Switched degree a million times, "always in the field of psychology"

  • Got GED at 16, graduated early because bullied "really bad"

  • "Ball State University" - online

    • Fell behind, left at 18

  • "Chicago School of Professional Psychology"

    • Applied Behavior Analysis

    • Ended up falling behind, left this one too, weird aside mentioning "can't remember why"

  • Colorado Christian University

    • Grandmother passed while here, ended up leaving "couldn't mentally do it"

  • American Public University (not certain on the name for this one)

  • Southern New Hampshire University

    • "Already a third of the way through my degree"

    • Bachelor's in Psychology

  • Total timestamp

    • 7 or 8 thousand

  • Claims to be getting bullied in college by girl on snapchat timestamp

• Collections 1 - timestamp

  • The Colorado school

• Collections 2 - timestamp

  • $608

  • Treating cashapp as a collections

  • Can't make a bank account? US Bank held her account? What?

• Azca Donations tiemstamp

  • something for a mobile bingo game?

• This WHORE is paypigging to Pokemon Go timestamp

• Constant in-app purchases timestamp

  • Reads like DSP's bank statements

  • subscriptions for board games to get rid of adds too holy shit, this is beyond parody

• Trying to rehome dog because can't take care of her timestamp

  • "I don't have the time to"

  • Dog has super severe separation anxiety? Behavior issues? Dog is on doggy meds, "can't exist without other dogs"

• Doordashed something from 7'11, has no idea what it was

• Spends so much on food, it's unreal

• "Plays" counterstrike 2, buys tons of skins, tries to sell for steam profit to get games? "Usually makes a profit"

  • Claims most made was $75 profit on one

  • Lost money more than made?

• Final Fantasy in-app purchases

• minecraft in-app purchases on servers? What the frick? plays "prison servers" ???????????????

  • claims 5'000 over the course of two years

• $150 getting lashes done

• "steam levels" $100 timestamp

  • Wanted to make level higher than husbands??? What the frick????

Retirement

• 2'300 in retirement timestamp

  • this story is fricking insane. "I got into a fight with my dad, then it turned into a fight with my mom and I threw a taco at her and I hit her golf cart, umm, her brand new golf cart with my car umm and dented it a little so she fired me, she didn't talk to me for a while"

  • Pulled out her 401k, 6 or 7 thousand - claims spent this on rent and needful things only (lol sure)

• Plans to be a leech off husband in the future instead of mother? timestamp

Pie Chart time timestamp

• Spent three times more than made

• 48% is bullshit

• 1.5% is groceries

Calling the mother timestamp

• Mother just doesn't care. "It's chump change to me." "Something I'm very used to"

Do you know how much money that she's taken from you over the last 5 years?

I don't, I would be very interested to figure that out.

It's about 200'000 as far as we know

Oh my god, for real?

"I don't really know how I help her, I'm willing to cut her off"

"If I give my money to somebody I just assume it's gone"

"We're having a watch party"

Sam, 26

Michael, 28

Rio Grande Valley

Personal Life/Career:

• Recently married, April 6th this year

  • Engaged for 4 months

  • Dating for 4 years

  • Never talked about finances before getting married?

• Assistant Manager (Her) timestamp

  • 2'100 a month roughly

• Truck Driver (Him) timestamp

  • 2'400 a month

• She is currently in school? timestamp

  • Studying Social Work? Doing a Masters

  • She has student loans but I did not catch what they were

Financials:

• Combined finances less than a month ago, she added him to her account

• "Different opinions" on spending timestamp

  • She says she's more frugal, he likes spending on electronics and vehicles

  • He Upgraded to new iPhone, FOMOS into newest thing

• How do their financial conversations go? timestamp

  • She says she wants to pay off debt quickly, "to zero as fast as possible" even if it's 0% apr

  • "He sees zero apr and he's like oh, we don't gotta pay anything at all"

• They have zero in their savings (paid off some cards recently)

• She paid off a few things that were at 0 instead of another 0 that was about just hit the interest period timestamp

  • "To be fair he signed up on a property without me knowing"

  • 120'000 property? He told her he was going to look and he ended up buying it on sight? "Owner to Owner financing"

    • Before marriage

    • Paid 117'000 with financing?

    • Applying to refinance "soon" timestamp

      • Currently at 12% over 30 years

      • they want a lower monthly and fewer years

  • Specifics timestamp

    • 6'000

    • There's another 6'000 that went to paying the parents?

      • Paying back parents for wedding?

• Built a 860 sq ft "frame house" on the property timestamp

  • Property is 3 acres

  • Building the house cost $37'000

• Score timestamp

  • He says - 8

  • She say - 4

• Credit Card 1 (Wells Fargo) ($4'120) tiemstamp

  • $42 minimum payment

  • 0% interest until October

  • 92 in new purchases

  • CC was opened because she wanted to start a business timestamp

    • Coffee cart selling expresso drinks outside markets

    • "Got busy" so she couldn't keep doing this, sold all equipment - didn't make money? timestamp

      • Awkward laugh when asked what she got from the sale? Got 2500 back?

      • Spent 10'000 on this?

      • Got a job because this wasn't working well?

• Credit Card 2 (4'028) timestamp

  • Interest about to start accruing

  • Paid 5'000 - claims she doesn't remember where she got this

    • Balance was 9'000

    • After getting pressed, says it was from a 20'000 personal loan

  • 92 in new purchases

• Personal Loan (21'749) timestamp

  • 21% interest

  • Gets pressed hard on why she traded 5'000 at 0% for a 21%

  • more info timestamp

    • In her name

    • They didn't know it was $21'749

    • Weren't able to make any minimum payments because of his motorcycle? timestamp

      • He doesn't even use it and now it's busted - front shock went out and it would be a 2'000 repair bill

  • Paid off the bike with this timestamp

    • 227 a month

    • 7'000 balance on it

    • 7% interest rate

    • Bike's used value is around $9'000

• She remembers why she paid off his credit cards timestamp

  • She did not like the monthly minimum payments?

  • "I don't know what I'm doing"

• Credit Card 3 (Lowe's) timestamp

  • Paid off, one of the things in that personal loan

  • Would have been interest free for another couple months?

  • Ate a late fee at some point

  • Was 2'000

  • Paid for a washer/dryer on here? timestmap

    • 0% financing at Lowe's

    • Her dad had given money for washer/dryer, he used it for the wedding and 0%'d the washer/dryer. She did not know about this and thought they were paid for in cash?

      • Her parents are divorced

• Credit Card 4 (Discover) ($10'656) timestamp

  • To build the house - he clarifies that it was finishing the interior of the house

  • "Because we didn't have the money for it"

  • He has never watched the show before - she has

  • Roughly 3000 a year in interest accruing on this?

• Credit Card 5 (City Simplicity) ($5'909) timestamp

  • His, she paid this one off as part of the personal loan

    • actually this was with the wedding gifts? 6'000 in wedding gifts? actually the wedding gifts and some savings?

    • Actually it was a different much smaller card she paid off

  • 0% interest

    • He thinks this ends by August

    • Actually it ended 3 weeks ago

  • $59 minimum payment

  • 29%

• Credit Card 6 (Home Depot)

  • Paid off

• Credit Card 7 (Capital One Savior One) (Paid off) timestamp

  • A bunch of Amazon purchases on this one - for the wedding?

    • Lights, table covers, etc?

• Credit scores -

  • His is 630

  • Her's is 695 (last she checked)

• "How did she convince you to come on this show?" timestmap

  • He didn't want to come on

  • He didn't watch the "on-boarding video" because "she didn't tell him about it"

  • they try to justify their financial opinions timestmap

• Purchased a water slide timestamp

  • He is trying to make money with this by renting it out?

  • $1'600 total

  • Hasn't been able to rent it yet?

• Bought some pc fans timestamp

  • He's been playing Helldivers 2

• Attempts to convince them not to be r-slurred timestamp

• He has 3 vehicles timestamp

  • 1 at his house

  • 1 at parent's garage

  • 1 his dad uses

• Checking Account ($31) timestamp

  • Disastrous amount of eating out

  • It's like they think credit cards are literally free money

  • 453 just on going out to eat

  • Phone bill is $185 (they both owe on their phones)

• An attempt to explain how interest works timestamp

• Budget time timestamp

Jordan, 31, Houston TX

Personal Life/Career:

• What does he do? timestamp

  • 3 Jobs

  • Full time Software Engineer (Govt Agency)

    • $119'000

  • Computer Science Instructor at a Community College

    • $44 an hour

    • around 2'500 a month?

    • Year round classes

  • Computer Science Instructor at some company?

    • 10 weeks long, once a week, 4 and a half hours weekly

    • $95 an hour

    • Seasonal

• Career path timestamp

  • coding boot camp from 2021

  • Worked at Coinbase for 9 months but left in 2022 when they didn't convert contract to hire

    • 1 year unemployed - was also working at community colleges part time teaching prisoners to code?

  • Govt job started in January

• Suffers from 'anxiety' timestmap

  • Was an agoraphobe for a year 'could not leave [his] house'

    • Pre-coinbase

  • Caleb mentions that he also has this meme disease

Financials:

• Self Scored 1/10 timestamp

• Lifestyle Inflation timestamp

  • He has not heard of this term before

  • He flew in from Houston ($350 plane ticket)

    • Justification for flying timestamp

    • 280'000 Honda CRV probabaly wouldn't have made it there

• Thinks Food is his main spending timestamp

  • He is right and it's not even close

• Credit Card 1 (Bank of America) ($12'911) timestamp

  • $13'052 - $423 payments + $0 new purchases + $282 interest ==> $12'911 new balance

  • 785 credit available

  • 408 minimum due next month

  • Maxed out all his cards after losing coinbase job, decided to go traveling on credit

• Credit Card 2 (Chase Freedom) (2'082) timestamp

  • Almost entirely eating out

  • $2'486 - $2'486 payments + $2'060 new transactions + $22 interest ==> $2'082

  • Some credit cards he pays off every month - he doesn't pay off the Discover and BoA

• Credit Card 3 (Discover) ($1'576) timestamp

  • 301 interest accrued

  • no new transactions

  • Does he budget? timestamp

    • No

    • He used to but said "frick it"

• Credit Card 4 (Discover) (10'647) timestamp

  • $13'346 - $3'000 payments + $3000 interest ==> $10'647

  • $322 minimum payment

  • A few apple bills

• Credit Card 5 (American Express Blue) ($932) timestamp

  • $40 minimum payment

  • mostly grocery stores

  • Paying for hinge premium and not actually using the app

  • Caleb seething over his own dating failures

• Credit Card 6 (Krogers)

  • This one's paid off and irrelevant

• Loan from Parents ($6'000) timestamp

  • Parents do not know just how much he is spending

  • While he was unemployed, hasn't paid anything back to them

• Loan from Friend ($4'000) timestamp

  • This was money he used for Europe trip/world cup stuff?

• $260 on Google Ads timestamp

  • Monthly

  • His ex-gf left him for another man

  • LONG story about his ex's friend's mom owning a pharmacy, going to jail for fraud, the ex paid millions for a pharmacy he thinks is worth a hudnred thousand?

  • She's in debt for 3 million???????

  • he decides to make her a website and pay for her google ads

  • "my friend's like don't be a simp blah blah blah"

  • "She refuses to talk to me" :marseywtf;

  • They were on and off for ten years

• $1400 a month strip club habit tiemstamp

  • March or April of this year

  • went to a strip club in the middle of the day and fricked a stripper at the club?

    • Later explains that this was $700 timestamp

• Buys stuff for the jail students when he hits the grocery store timestamp

• Caleb gets into the online dating blackpill timestamp

  • Manlets btfo

  • This worm is 6 foot 4

• Federal Student Loans ($52'939) timestamp

  • No money currently owed

  • Govt Agency he works for might pay all of this if he sticks around for 3 years?

• State of Texas loan ($13'000) timestamp

  • Lots of late payments

  • He had initially thought that the federal deferrment applied to state loans

  • $208 minimum payment

• Private Loans ($31'146) timestmap

  • Bachelor's in Biochem and "Biophysical sciences"

  • "I was a bad student and I was lost I didn't know what the frick I wanted to do so I ended up staying in school for like 6 years"

  • Had to get private loans because he was on academic probation

  • interned at some labs and didn't like the biomed researcher thing

  • $376 minimum payment

  • 5.54% interest rate

  • refinanced form an initial 10% sally may loan

• About to a have a $10'000 operation timestamp

  • Cosmetic surgery

  • Hair transplant

  • In-depth discussion of balding prevention

  • Worm does not want to

  • How is he going to pay for this? timestamp

    • "So I just got approved for an American Express card"

  • "I know it doesn't make sense but I'm gonna do it anyways"

  • things in the pipepline to help him timestamp

    • Another teaching job at some higher end uni (110 an hour)

  • Cosmetic surgery is next week

  • 

Spending numbers tiemstamp

• Weird $1700 zelle/1400 atm withdrawal

  • doesn't know what these were

• Show ends early because there's no point in a budget

Miles, 25, Lake Mary, FL

Personal Life/Career:

• IT Consultant

  • Contractor, roughly $65'000 after taxes tiemstamp

    • 65 last year, likely 62 this year

    • $28/hr

    • Thinks he's a little low-balled should be getting $35 an hour

    • Since January with this current place? Lost his old job timestmap

      • Had "some issues" with a (female) VP/Director at Mitsubishi Power (not the car company)

      • "She's kind of... an issue"

      • Had old job for 2 years

    • He definitely reports all his income for realsies timestamp

  • More old job deets

    • Coworker in that same month "got in [his] face, cussed [him] out" (circa November 2023) timestamp

      • Claims coworker was trying to break a security privacy law related to moving data between different countries

• Has a fiance and a 9 month old

  • She's a stay at home mom at the moment, no income

• relationship with parents timestamp

  • "it's a little toxic"

• Are you really hard-headed? timestamp

Financials:

• "So basically uh, what all kind of happened is I never really took my finances too seriously" timestamp

  • Major story time about family backstory?

  • Was renting from his parents in central Orlando for $500 a month?

  • Had an argument with the parents about them coming over unannounced?

    • "We'll keep coming by whenever we want if you have a problem with it be out by [date]"

    • "They kept coming by and harassing"

    • They took the TV that they had given to his sister (sister was living with him?) - took the tv while he was watching UFC

      • Parents also took all their other stuff?

  • The actual point timestamp

    • got forced to move?

    • they gave him eviction papers, stuck on doors and windows "might not have been real eviction papers"

    • Had to move by November 2023

  • Moving meant he needed a new motorcycle because he had to sell his jeep timestamp

    • Gas was "$100 a week"

    • Parents bought the Jeep for him when he was 18 (13'500 for it)

      • Used the money on the motorcycle and the move

• Self-score 6/10 timestamp

  • He has a "good amount of money saved up" and I can afford rent/food, about a third of savings will be going to taxes

• "My fiance says I have a shit-eating grin" timestamp

• Credit Card 1 ($1129/$1200) timestamp

  • $37 Late fee

  • Paid $45 to it

  • No new purchases

  • $73 due next month

  • Second late fee

  • Why isn't he paying his bills? timestamp

    • He wants to make sure that he still has money set aside???????

    • He tries to justify that he wants to have money if something happens?

    • Because it's like then I'm not gonna have it?

    • "It's hard for me to see the benefit"

• Credit Card 2 (Amazon) (5'145/5'000) timestmap

  • $373 minimum payment

    • includes $39 Late Fee

  • $116 in interest charged

  • Originally just a groceries card for Whole Foods

  • Fiance had to go take care of her grandparent, spent a couple months there?

    • Story time

    • Adjusted to 6 months, he gets pressed timestamp

      • Goes into a story about cash advances

      • He didn't know how cash advance interest works

      • He was doing twice a month cash advances for weed? $300 to $500 a month on weed timestamp

        • Claims he is not doing this any more

        • Tries to adjust the weed number down to $300 timestamp

    • "Are you trying to piss me off?" "A little bit" timestam

      • 

      • He says he's seen the show "plenty of times"

  • Has never budgeted

  • Got some advice to invest in Ali Baba, $3'000 timestamp

    • From a buddy who does day trading

    • Went from 3'000 to 300

  • Pressed on another missing payment timestamp

    • He paid it a week late

  • $15 in purchases, he didn't realize he'd bought anything this month

    • Some amazon order

  • Awkward shifting after caleb "jokes" about butchering the guest timestamp

  • He didn't know that minimum payments would increase if he got late fees

• Does not have a retirement account

• Florida Career College timestamp

  • Owes them $2373

  • "Third attempt notice'

  • Apparently they never gave him the degree?

  • He didn't go to the graduation to get physical the cert? He thought that he would need the literal physical cert

  • He's so stubborn he decided that he just wasn't going to pay because they weren't giving him the cert because he didn't go to the graduation

  • He was hoping Biden would get rid of them timestamp

    • He didn't know that Biden wouldn't have forgiven private loans

• Federal Student Loan

  • 5'496

  • Not making payments right now? He's just not paying

• $939 Phone timestamp

  • 0%

  • $125 phone bill

• Caleb reminisces about what his own butt looked like when he wasn't as fat timestamp

• They call his parents on speaker to get their side of things, editor is there to translate Spanish timestamp

  • Parents sound like they did literally nothing wrong and should take more of his stuff

• Affirm timestamp

  • "I like Affirm though"

  • Justification for TV "How am I gonna watch UFC?"

    • "I like to have the boys over"

  • What are the interest rates? timestamp

    • Thinks of them are between 25% and 30%

  • The actual interest rates timestamp

    • 36% $500 on one?

    • $600 TV at 30%

      • TV is "not even that good" $400 that he paid $600 for

    • 36%

  • So how does it make sense? timestamp

• Car (2005 PT Cruiser)

  • Got for his fiance

• Motorcycle (no debt?)

• Checking Account $363 timestamp

  • Disney+ (kid likes Bluey?), Spotify,

  • Went to see Nascar?

  • $63 at a dispensary

  • Overdraft timestamp

    • He knew it was going to happen?

  • Fair bit of eating out

• High Yield Savings (5'000) timestam

  • He thinks it's close to 6'000 (it's almost 5'000 flat)

  • He's paying his taxes quarterly? Thinks he'll end up with 9'000 after his quarterly

  • Thinks he's saving $1'700 a month

  • Gets pressed on whether his savings math is right

Pie Chart - timestamp

• 1'470 rent

• Does not pay utilities - fiance's cousin sleeps on couch, he pays utilities

• $70 for Internet (no Fiber)

• $230 car insurance

• On govt insurance? timestamp

  • Question about whether this hits him on taxes?

• $55 Gym

• $125 jujitsu gym

Planning to go on a cruise with fiance this August timestamp

• He hasn't bought in yet

"We actually had to stop you from smoking before you came on" timestamp

Mentions that he owns some land in Honduras in the epilogue

Athena, 32

Carter, 25

Oklahoma

Personal Life/Career:

• 3 kids, she had 1 prior to the marriage with another man?

  • 3, 4, and 8

  • 8 year old lives with her father in Florida right now

• "Tensions are high" pre-filming timestamp

  • Immediate jump into maritial issue kino

  • She sees herself as saving the two of them financially and considering divorce if he doesn't get himself together

  • She's sober 9 years, very into AA, was in military

  • He was sober for a year, met when he was 2 weeks sober

  • "He's strictly a drug addict" timestamp

    • Is he off drugs?

      • He says "Yeah" she says "No" at the same time

      • Clarifies that he messes around with psychedelics, she clarifies wit story time about finding him "dead on the floor" four years ago timestamp

      • Mentions missed the birth of his third child because he'd smoked too much weed and had a stomach ache

        • Hard cut into caleb's grift shilling

    • Current drug use deets timestamp

      • Mostly Kratom, Weed - "Could be Jamba Juice for a week but nothing's gonna stop him"

      • Some psychedelics too?

    • How he relapsed 4 years ago timestamp

      • She bought a bottle of alcohol to help with an ear infection, someone else suggested this?

        • He chugged it and mixed some opiates

    • She does "hape"

      • "unprocessed tobacco, ash, and different plants from the Amazon Jungle"

      • Both do this but "it's not the same"

      • She works for some Jungle Tribe? She's been there and made it with them? She's "one of their guardians in the world" and distributes it? timestamp

      • Mentions having a stroke where everyone told her she was going to die

        • Brought up again later, says she fixed this "by going into [her] own body" timestamp

  • Had a huge fight two days ago, juicy deets timestamp

    • "I've never smoked crack"

      • "No he smoked Heroin" I think she said heroin the shit getting censored out is annoying. He claims he stopped at 22

    • "I know that if I die tomorrow and there is 500'000 dollars because of my life insurance that I pay I don't trust him with the kids and making the right decisions" timestamp

    • Is it true that he doesn't love her like he used to? timestamp

      • "Doesn't show it like he used to"

      • "Together all the time"

      • He wants to play video games

    • Had a cry a couple weeks ago and took some psychedelics to figure his life out timestmap

      • "2CB" not sure if I heard this right I don't know drugs

      • Decided he needs to not quit his vidya because he will resent her for that?

    • Have they seen a therapist together? timestamp

      • She says - She has tried for years but he doesn't want someone to tell him he's wrong

      • He says - can't afford a babysitter? Too expensive

        • They had 7 cancellations for babysitters but finally got one so they could come on this show?

      • Bickering about money timestamp

        • "oh but we have money for World of Warcraft, we have money for stupid shit like-"

        • "-like massages for my wife"

        • "No okay we're going to go into this because he won't let it go"

        • Combined finances "but he just spends"

Finances:

• self-score timestmap

  • Aborted initially to discuss their impending divorce

  • Actual self-score timestamp

    • she says 3 and he says 1

    • he said 7 before but then he watched a couple episodes

    • Mentions that he "adds debt and she doesn't see it" timestamp

      • "I don't even add debt though you can go through and see it"

• Spent 8'000 to move to Oklahoma timestamp

  • 2 and a half months ago

  • Bickering about who wanted to move

  • He had a 20 hour trip fried his brain and they moved to Oklahoma instead to get a job with his father?

  • She's made $2'000 in May, usually $1'500

    • She "does healing" for the moment - with the magic tobacco?

    • Not setting anything aside for taxes, can't afford to?

  • He makes 2'600 a month (3'000 before taxes)

  • She had a hair license in CA, did not transfer to OK but would have with Florida?

• She filed for bankruptcy at some point after her stroke? timestamp

  • beginning of 2023?

  • She paid off most of his debt, put things into her name before bankruptcy?

    • had plans to make more money in CA bigger hair salon

  • She had a "successful business"

  • Landlord said he "doesn't work with women" and had serious issues with the building she was in?

  • She usually makes about $100 an hour, 15 hours a week

• Can their family help out? timestamp

  • His father just had a baby

• Why not move to Florida? tiemstamp

  • he says moving costs

  • she says relapse

    • she moved out at some point?

• Combined finances stuff, she took over handling them when she had the stroke, then she took them back after a little but timestamp

  • Total disarray while he was in control

  • Mentions "deferred interest" for paypal, Best Buy

    • "and she says why didn't I pay more than the minimum and I'm like we have no money to pay more than the minimum"

    • "Every time we do have money he thinks it's like okay we can go out and eat we can go get on my red bulls oh not red bulls umm [indescipherable spanish name] every single day"

    • Mentions that she quit her Starbies habit

    • "Like we would have assistance for food and he would spend a lot of that on energy drinks"

• Credit Card 1 (City Diamond) ($1687) timestamp

  • Minimum payment $56

  • New purchases $43.90

  • $39 interest accrued

  • Lots of Amazon, Apple in-app, Chick-fil-a

    • Apple music?

    • Might be the extra cloud storage for her phone?

    • Some amazon ad-free thing?

  • "We don't go to Chick-fil-a any more"

    • "That's literally the most recent statement!"

• Credit Card 2 (Discover) (7'000) timestamp

  • Had it paid off but then it wasn't

  • LA apartment was infested with cockroaches deemed unlivable

    • "When we came back from a healing convention-"

    • Some excuses?

  • 2238 new purchases

  • 142 minimum payment

  • 113 interest charged

  • Fair bit of eating out on here, some amazons

  • Salon statements timestamp

    • this is where she buys things and resells them

• Car 2020 Kai Telluride ($33'400) timestamp

  • Old car got totalled, he got smashed into and pushed into a semi

  • "actually we got a really great deal on it"

    • She's actually convinced she got a good deal. It's unreal she actually bought hook line and sinker and won't accept she got taken for a ride. Born mark.

  • 72 months, 12% interest?

  • 2021

  • $739 minimum payment

  • good condition but a few scratches in the front, might be small issues inside from kids

  • Something weird where they need checks in paper or they take the interest out of it? Didn't catch this

  • Underwater by $8'000

• Upped her life insurance? timestamp

• She mentions that she is a vegan timestamp

• Jungle Story timestamp

  • Went last year

  • "How'd you afford to go to the jungle?"

    • "Credit cards"

• $78 on some credit card timestamp

  • World of Warcraft - it auto-renewed without him knowing?

  • pays 6 months

  • He played until 2:30 am yesterday night

• "I have a gift" "I am not of this earth I am in human form" timestamp

  • White woman nonsense about restoring the rain forest

  • I see dead people now I don't choose to see it

  • "You don't see them they pass you a message and you give it to the person and they heal I charge $111 for what I do it's not fake"

    • "Trust me I didn't say you couldn't make money off of that"

  • "Fine, tell me something about my self" timestamp

    • it doesn't work like that

    • "It's only when I do hape my higher self will talk to your higher self"

  • Producer Noah will be doing hape in the post-show? I refuse to paypig so no idea how this went

• Credit Card 4 (Priceline) ($91) timestamp

  • A few Amazon purchases

    • She doesn't think they've made any purchases this month?

  • Some movie rent/buying

  • Father of her first child would not let her control the finances timestamp

    • He was breadwinner in that relationship?

    • She shows some sort of organization of her expenses?

    • "Every month I go can we sit down and he hates it"

    • "He literally became a man when he met me becau-"

• Credit Card 5 (Best Buy) (1'883) timestamp

  • "Somebody broke his headphones!"

  • Food, TV, headphones, iPad repair

  • $348 in new purchases

  • $29 in payments

  • $17 interest accrued

  • Based karen moment fighting the employee on the screen protector timestamp

• She's been applying to jobs timestamp

  • Only applied to 5 so far, can only work evenings and wants specific jobs? May or may not be getting a job with Texas Roadhouse

• Credit Card 6 (2'442) timestamp

  • $81 minimum payment

  • $72 in new purchases

  • $82 paid

  • $6 interest accrued

  • interest only just started on this

• Owes money to his grand mother timestamp

  • She will just send money sometimes to bail them out? Separately from that she lent them a lot?

  • already paid back a lot but still owe 4'000 that she wants to

  • Something about taking in some guy from Turkey but booted him "released him with love" timestamp

    • They have a phoneline that he is paying off?

• She is concerned with the welfare of the plant, she decides "it's dying" timestamp

  • It's not dying.

• She gets really ill if she drinks starbucks "since the stroke"

• $1000 on a mattress remaining

  • they partially paid $2000

• MetaZoo timestamp

  • Spent thousands of dollars on it? irl card game?

  • This what they spent their covid bucks on?

  • They tried to be scalpers during the covid bubble they are so fricking stupid it's unreal

  • they think the kickstarter box is worth $1000?

• Caleb presses them on whether they've taken responsiblity for anything ever timestamp

Pie chart timestamp

She's getting 20% disabled for VA ($338) timestamp

Ariana, 31, Corpus Christi TX

Personal Life/Career:

• Personal Shopper at "Major Texas Grocery Store" (HEB)

  • basically just handling curbside pickup stuff

  • Last year made $25'386

    • Brought in $1'400 dollars last month?

    • Probably closer to $15'000

  • 34 hours a week - usually less than that

  • 3 years

  • Was an English teacher in China prior to this

    • Tried to substitute but did not like the culture in usa

  • Got a raise to $18 an hour recently

• Bachelor's in Poli Sci

• Leeching off her mother

  • Mother is 58

• Went back to school, stenography "to become a court reporter" timestamp

  • Pushback on this because Caleb thinks it will be vaporized by ChatGPT

  • Apparently this pays 6 figures starting?

    • Caleb fact checks this as around 61'000 starting

    • She was basing it off a job posting she saw

  • School details timestamp

    • 2 years (she thinks)

    • Paid in cash, 1 class a semester $500 each ("per speed level")

• She tries to explain what she does with her day timestamp

  • Caleb brings up the Uhaul lesbian meme

Financials:

• Financial score timestamp

  • Tries to give story, gets cut off and then says 3/10

• How'd she get into debt? timestamp

  • Claims majority of it is "taking a lot of flights to Britain"

  • "Trying to save [her] relationship"

  • Wifed an Englishwoman she met in China, separated during pandemic because they went back to their countries

    • Only 3 flights?

    • First time she stayed there 6 months

    • Others were 2 weeks apiece

    • Last went May of last year

    • Divorcing now (just filed)

    • Brit developed "chronic illness" and decided leeching off the NHS was smarter than moving to USA

    • Got married in Corpus last year, she traveled to the USA

• Credit Card 1 (Sam's) ($5'859/$14'900) timestamp

  • Went and bought a pizza at Sam's before coming to the show

    • Gets pressed on blowing money on the pizza

  • $100 interest

    • 20%

  • $158 payments (old minimum)

  • $130 new purchases

  • 159 minimum monthly payment

  • Lots of eating out

  • Tries to justify it because it's convenience

    • usually grabs it when she's on the way out of Sam's

  • Pulls out her stenography machine and she tries to transcribe what he's saying timestamp

    • She's barely 30 wpm. Unfricking real.

• Credit Card 2 (Discover It) ($1'235) timestamp

  • $625 paid

  • $424 in new purchases

  • $35 minimum payment

  • Interest free until November - 30% after that

  • She claims balances are because of relationship? He pushes back because it's obviously not

  • Constant super market spending

    • Every shift at HEB she gets Sushi (actually spring rolls)

    • Has tried making spring rolls at home but fails ever time

    • Roughly $300 a month spring roll habit. She claims she stopped and gets pressed on that because it's obviously not true

  • $75 therapist payment - put on this card instead of debit but this is interest free

• Credit Card 3 ($0) timestamp

  • Authorized user on this one, it's her mother's

  • Mother is responsible, pays it off

  • "Mother wanted to help her build credit"

  • 690 or so credit score, she thinks this is "really good"

    • Gets pressed for being constantly being confidently incorrect

• Student Loans ($9'244) timestamp - timestamp 2

  • On a payment plan - all consolidated

  • Not paused because she's under the requisite credit hours

  • Mother paid for most of her degree, these student loans are making up the difference

  • $98 minimum payment, she thought it was $198

  • 6.5% intrest rates

• Addressing the mother situation timestamp

  • Thinks she's been given $3'000 over the last three years

    • Some for dental she "broke her teeth" while eating at Wingstop

    • Then had to get root canal?

    • Informal on the payment plan, mother is keeping an notebook and writing down all numbers

  • Living with mother right now, free rent

    • Sister also lives there, also going through divorce

• Car 2014 Chevy Spark

  • 96'000 miles

• Checking Account ($25) timestamp

  • She takes out "mostly everything in cash"

    • All that spending is untracked

    • Caleb presses her hard on where the cash goes and she struggles to come up with answers

  • $80 on getting her hair done once a week

    • She wants to be "platinum blonde" instead of black hair

    • She wants this to be in her budget

  • Started the month with $600

  • Tries to get her to draw a bar chart comparing her spring roll spending vs her income timestamp

• No retirement account

Budget Pie Chart timestamp

Attempt to design her a budget timestamp

• At least $57 underwater based on what she's done

Casey, 27, Beaver OK

Career:

• Works at a grocery store

  • $20.75 an hour. 40-43

  • Around $43000 yearly

• Doordash/Walmart Spark on the side

  • Is setting some money aside

  • around $500 a week

  • 30-40 hours a week

• Dad lives with him, on SSI, the father pays utilities

• Does not speak with dad much, "not a great relationship"

• "I'm content working for the store forever"

Financials:

• Pulled some credit timestamp

  • $2000

  • $400

• "I don't keep track of much other than debt payments"

• "I just keep track of the minimums nothing else"

• Ex-girlfriend stories

  • Section 1 timestamp

    • Threatened self-harm frequently

    • "I kind of played into it for a while maxed out 4 or 5 cards, took out loans to pay them off and then built them back up again"

    • Married 6 months after meeting, separated in April 2022

    • Got everything back in the divorce

    • Has not sold the car he bought her yet

  • Section 2 timestamp

    • No kids - "We have to do things to make kids that never happened"

  • Section 3 timestamp

    • Value of things from wife

      • iPhone, Apple Watch, Car, main things. Charger is the only thing he still has.

• Self-rated 0/10

• Credit Card 1 (Capital One) ($302/$300) timestamp

  • Spent 55 on it

  • Paid 25 minimum onto it

  • $6.86 interest accrued

  • Thought he would pay it off last month but just "didn't get to that" because he didn't have money left over?

  • Transactions include 2 car washes

• Credit Card 2 (Destiny) ($646) timestamp

  • Charges a monthly fee $12.50

  • Did not realize he could close a card with a balance on it

  • $45 minimum payment

  • $19.64 interest accrued

  • 35.9% interest rate

  • Spent a year after the divorce not caring

    • Running cards up

    • Affirming everything

    • Lots of energy drinks at convenience stores

• Credit Card 3 (Milestone) ($646) timestamp

  • 35.9% interest rate

  • 45 minimum payment

  • $22 monthly fee

• OneMaiden Financial ($14107, actually $7000 but includes interest) timestamp

  • Loan to pay off another loan that had a 108% loan and the line of credit he pulled $400?

  • 31.5%

  • "pre-computed loan"

  • Brand new, only made 1 payment

• Upstart timestamp

  • From paying off cards with his ex, 2021

  • 27% interest

  • Didn't catch a balance or payment on this one

• Upstart ($914) timestamp

  • 31.2% interest

  • $46 minimum payment

• Car Loan (Carvana) timestamp

  • 2019 Hyundai Ioniq Hybrid

  • Got it because it was available with no down-payments

  • Got this in January

  • 72 month term

  • 22% interest rate, he's not sure

• Credit Card 4 (First National) (568/600) timestamp

  • $30 minimum payment

  • 30% interest rate

• Credit Card 5 (Credit One) ($814/$800) timestamp

  • $70 minimum payment

  • Missed a payment twice on this one

  • Fell asleep and missed 5pm payment deadline?

  • $16 interest accrued

  • $75 fees

  • Annual fee on this one

• Loan (19'000) (Dodge Charger) timestamp

  • $513 minimum payment

  • His ex cajoled him into getting this one

  • Host rants about Chargers

  • Broken down in his driveway

  • Oil filter assembly on top of the assembly broke

    • he tried fixing it himself and broke more things

• Credit Card 6 ($510) timestamp

  • $46 minimum

  • $12.85 interest

  • 25 fees (missed payment)

  • 30% interest

• Car (2016 Hyundai Sonata) timestamp

  • 5 year loan

  • got in 2018

  • Didn't catch a number on this

  • refinanced from 19% to 9.6%, "that's one of the best [rates] I've got"

  • Broken down, car port got a wall sitting on it? He shows a picture

  • Mystery engine issues

  • Worth maybe 2'000

• Home ($47'000) timestamp

  • Escrow Balance $1'307

  • 4.5% interest rate

  • "Fixer upper but quite a lot of land to it"

  • Thinks it's worth 100'000

• Affirm (450)

• Spending timestamp

  • Tons of fast food and convenience store purchases

• Investing timestamp

  • $4'700 in an IRA

Debts:

• $113'000 total debt

Pie Chart of current spending/debts timestamp

Madison, 24, Austin TX

Personal Life/Career:

• Fashion/lifestyle brand, part of "philanthropy" team

  • "Philanthropy Specialist" - "Corporate CRS"

  • 57'000

  • Thinks her income level is pretty okay

  • "I have a little debt but it's fine it's not that deep, to me"

• "Why did you come on the show?" timestamp

  • She read comments saying they wanted someone normal and she decided she could be that person

  • "I feel like I'm one of the best you've had on the show"

• "What are you looking to get out of the conversation" timestamp

  • Going on a few trips in the future, wants advice on budgeting around those and her other debts

• Doing some sidegigs? Never actually explained so I don't think she's actually started any

Financials

• 68'183 total debt

• "Why do you have all this debt?" timestamp

  • College expenses

• Self-scores a 7/10

• Credit Card 1 (Discover) ($3'600) timestamp

  • $99 minimum payment

  • $78 interest accrued, she didn't know that this was a thing

  • She's been throwing just a little above her minimum payment at all her debts?

  • Tries to explain how interest works to her with a graph timestamp

  • College card, had it paid off last year, then racked up a balance again "shopping issue"

• Credit Card 2 (Amco) (6'486) timestamp

  • 2500 credit remaining

  • 233 minimum payment

  • Last payment was less than her minimum? "Oh, I might have forgot about that"

  • How'd that get up to nearly 7'000 dollars? timestamp

    • Thinks she balance transferred it from the Discover card?

    • Mostly spendthrift behaviors

    • How much does she think she spends in a month total? timestamp

      • Thinks around 2'000 spent out a month total - actually it was $8'742

• Credit Card 3 (Care Credit) (1'647) timestamp

  • "I've almost paid it off though I feel like timestamp

  • Was 2600 last year

  • "I think that's really good"

  • Brings up dying dog spending to deflect

• Medical bill $124

  • Forgot to pay it after they sent her the bill in the mail

• He forgets her age and calls her 26 while she's defending calling herself above average timestamp

• Car (2023 Rav4) () timestamp

  • 9% rate

  • Didn't catch a total or a minimum payment for this but it started $40'000

    • Around a 700 minimum payment?

  • August 2023

  • Used to have a Buick Encore, got into a wreck so she needed a new car

    • Had gap insurance

  • She "wanted a new one"

  • "Mental math is not my strongest"

  • $193 insurance payment

• Student Loans timestamp

  • Studied Marketing at Texas A&M

  • Most around 4.5%

  • "I haven't paid really any of it, I think I've kind just paid 30 bucks maybe 60 bucks on two of them"

  • Doesn't think she's on deferment, she just isn't paying them

  • 10 year repayment plan

    • Actually she might be on income driven repayment

  • $50 minimum payment? She's past due

  • Still hoping Biden forgives it

  • Pushback on why she deserves debt forgiveness timestamp

    • Extremely wishful thinking

    • Dreams of marrying into wealth

    • Got a D in finance, Barely passed Accounting

• Personal Loan $183 timestamp

  • Took this out "a really long time ago"

    • July 2022

  • Claims not to remember what it was for

• 545 credit score

• Spending timestamp

  • lots of shopping

  • lots of eating out

  • Few Venmos out, "a lot of bacholorette trips"

  • Amazon

  • Mother and brother are broke she zelles them sometimes and they zelle her back?

  • Screen recording of her Amazon purchases timestamp

  • Venmo Transactions timestamp

• Travel plans timestamp

  • Going to Europe

  • To see Taylor Swift in London

  • around $800 on just the plane ticket

  • "Already paid for the concert so that's kinda free in my head"

• Spending Chart timestamp

  • 6% of spending went to debt

  • 21% to medical, she's not sure what this is

    • $1725 to an eye doctor timestamp

  • Mysterious 1600 expense timestamp

• Budget Chart timestamp

  • 887 rent

  • 1071 minimum payments

• Refuses to sell the car because she likes it timestamp

• "Hammer financial score, frick her"

Wyatt, 23, Kansas City Missouri

Career:

• "So I do Private Security, basically people pay me to fight for 'em" timestamp

• "I just fight hobos or I just watch people and call the cops"

• 40 to 45 hours a week depending, $20.60 an hour

  • "So I make about 70 to 80 thousand a year" timestamp

    • VA bucks from a medical thing - $3'758 a month

    • Doesn't want to give deets on what these are

• Works overnights

• Served in the military timestamp

• Job deets timestamp

  • Bring your own equipment policies?

  • Didn't know what the median income was, thought he was making big bucks

Financials/Personal Life

• Does not like to cook, something about his schedule

  • Why does he not just wake up and get groceries timestamp

    • "I don't really want to do it, sleep's important to me. I'd rather sleep."

• Self-scored 7/10 financial score

• Owns a house and car

  • VA home loan thing

• So how'd you get into so much debt in the first place timestamp

  • Got addicted to strippers, was blowing 80%-90% of his income on them while enlisted?

    • Refuses to admit if he had s*x with them doesn't want to catch a felony

    • Claims he stopped 3 or 4 years ago. Story time on why - timestamp

      • He lost his military id and "starved for 2 weeks" because he'd blown all his money on strippers and had none

  • Caleb claims not to be a virgin

  • Way easier to pay for fake attention than to approach real women

  • Went into debt "Yeah so I had a credit card"

    • $8'000

  • Paid off this stripper debt at some point

• Credit Card 1 (Navy Federal) ($7'092/$7'500) timestamp

  • $380 new purchases last month

  • $105 interest

  • 175 minimum payment

  • "So I don't really know what I purchase on that"

  • Thinking about leveraging on his home to pay off credit card debts?

  • "So usually I take the approach of stockpiling my cash, I really don't want to pay off my debts"

    • Tries to explain why he's spending so much timestamp

  • He's paypigging to twitchs timestamp

    • $120 in Twitch subs

    • $250 in Twitch donos

    • Claims to be a Sigma Male because he can just go to a strip club

    • "Three separate instances" "Crashes a streamer's UI with memberships"

      • Total $1500

      • Host attempts to understand what he is talking about timestamp

    • Meant to do this out of his checking account?

• Credit Card 2 (Amazon Chase) (3'756) timestamp

  • Computer parts, books,

  • "6600 Motherboard", some RAM,

    • Thinks he could get $800 for selling components

  • $16.11 new purchases

  • 112 paid off

  • 79.10 interest accrued

  • 116 minimum payments

• Car timestamp

  • 2018 Dodge Durango

  • $33'677 balance

  • 11% interest rate

  • $884 minimum payment

  • car is worth maybe 14'000

  • Purchased a BRZ, then wrecked it while closing the house and decided to purchase the house instead of fixing the car?

    • Got rear-ended, engine "self-destructed" after he got it back from the mechanic, he'd never changed the oil?

  • "Only vehicle that would hold that amount of negative equity on it so that was my only choice"

  • $2'000 of 'basic maintenance' last month timestamp

    • Brakes, tires

• Why did he want to buy the house timestamp

  • G*rmans brought bedbugs into his apartment

  • He was sleeping on the floor they were crawling on him

• Student Loan timestamp

  • "LentKey"

  • Went to college before getting the VA benefits?

  • Used GI Bill to help pay for living expenses

  • Quit going to college after 2 years

  • Studied Business Administration

  • 5'500 initially

  • $25 minimum payment

  • 6'700 owed

  • 10.39% interest

• Mortgage timestamp

  • 100'000 appraisal on the house

    • Thought it would be around 165'000

  • Would not be able to get a loan on it large enough to pay off debts

  • Put $1'000 of materials into it

    • Leaking roof, fire damage on the exterior, redid the sidewalk

  • Was getting fliers in the mail about leveraging his house reminds me of a thing

• What's your credit score? timestamp

  • Thinks it's 700

  • "So I can't take any more debt because I've reached my limit"

• Gets told to go through his own transaction history to mark all the stupid bullshit timestamp

  • It's all bullshit

  • He has never budgeted

  • holy shit he's paypigging so much

  • Crunchy roll

  • Steam games

  • Lots of vending machines, so much money to the vending machine

  • Pays for Quora

  • Pays for Grammarly

  • Pays to Groomercord, $100

  • Mobile games "tech tree"

    • Other mobile games ton of them

  • Paying for AI assistants because he likes to write in free time

    • AI helps with editing?

  • Plays EVE Online, $20 subscription

  • "VoiceMod" "I don't know what that is"

  • What does his daily routine look like timestamp

    • Beyond bleak.

• "So a friend of a friend I pay 300 for his number just to troll" timestamp

  • He calls up people to pretend to be tech support? I really didn't understand this. Don't people just use throwaway number services for this stuff for free?

Shots across the bow at Reddit

• Timestamp

Aubrey, 27, Johnson City TN (currently in Avon, Colorado)

Personal Life/Education:

• Degree in Business Administration

• Hates office jobs

• Was working as a "scheduling coordinator" making $16 an hour

  • Tries to explain how she got fired timestamp

    • "He wanted to talk to my manager and needless to say, I got fired"

• Relationships timestamp

  • Single but "dating around"

  • Has been engaged but "[she] just wasn't happy so [she] ended it"

    • "he made good money"

• "When did this all start" timestamp

  • "[Her] parents told [her] 'No' a lot."

    • Segment where they call the father to ask him, father dunks on her and she copes

• boyfriend told her to get a cc for gas/food timestamp

  • Then she got a discover card afterwards with a $1000 limit :marseyxd

  • started spending money to feel better?

• "If you're expecting some dude to swoop in and bail you out, that's not gonna to happen" timestamp

• Wants to "travel the world" timestamp

  • Thinking about moving to California this time

• "Tired of living paycheck to paycheck" timestamp

• Admits that she has a fake tan

• mention of she has 1400 insta followers

Career:

• "Worked my my dad for like the past 5 years" timestamp

  • He has a hardwood flooring business

  • Inventory/jobsite management/whatever he wants her to do

  • $19 an hour

• Moved to Colorado to work in a Resort Town

  • Was a lift operator, transitioning into golf course when she returns? Seasonal work?

  • Does not know what she's going to do when it's snowing if she's working at golf course?

  • Employee housing, living cheaply?

    • $600 includes internet, electric, etc

  • Attempt to explain what she will do in off-season timestamp

    • Now she's going home "for like a month and then I might come back"

    • Basically a month vacation

• "Are you lazy?" timestamp

  • She says she's a hard worker (she's not working)

• 590 credit score

• Career Goals timestamp

  • Wants to have her own "mobile bar"

  • She has no bartending experience

• Discussion of her career future timestamp

Financials:

• Self-rated 4/10

  • She's seen 4 episodes

  • She took that financial score test before coming on and got a 1

• Credit Card 1 ($2399) timestamp:

  • Minimum payment $200

  • Missed payment

  • $2200 credit limit

  • 30%

    • She's shocked it's a 30% interest card timestamp

    • She never looked at the interest

  • "It'll be there though, it'll be there that's all I'm saying"

    • she tries to explain why she won't be working next month to try paying this off

  • But my fly-points timestamp

• Credit Card 2 ($3135) (Best Buy) timestamp

  • $199 minimum payment

  • $40 missed payment fee

  • $48 interest accrued

  • Claims she's living paycheck to paycheck (she doesn't make a paycheck)

  • opened this when she was getting a laptop, got a 4k credit line

  • Bought an apple watch, a TV

    • Apple Watch was a christmas gift for her ex-boyfriend?

• Credit Card 3 ($3970) () timestamp

  • Over the limit on this one too

  • Limit is 3'900

  • $298 minimum payment

  • Late fees

  • $96 interest accrued

• Credit Card 4 timestamp

  • Card she got for discount tires

  • Hasn't paid on it

  • Might have been sold off to collections

  • "I get calls all the time and I just ignore them" timestamp

• Credit Card 5 ($8573) (Discover) timestamp

  • "Every month they'll give you like a 5% back on Target or Amazon"

  • $643 minimum payment

  • $130 interest charged

• Credit Card 6 ($1325) timestamp

  • $21 in late fees

  • Interest free until paid off?

  • $51 minimum payment

• Credit Card 7 ($348) timestamp

  • $10 minimum payment

  • 350 credit limit

  • "On the app it closed it so I can't even make a payment on there so I have to call them to do that"

• Car (Eastern Credit Union) ($13350) timestamp

  • 3% interest on this

  • $325 minimum

  • 2018 Mazda CX-5

• Checking Account timestamp

  • $70 in here,

  • Lots and lots of online shopping, fair bit of eating out too

  • A few trips to liquor stores

  • Has a vaping habit

Spending pie chart timestamp

Hypothetical Budget timestamp

• $1812 in minimum payments

Willow, 27, Tuscon Arizona

Personal Life:

• Got COVID last week timestamp

  • tested negative this

• Has a kid in Tuscon, divorce just finished

• Has an IT degree + some IT certs

• Subsisting off severance pay, savings, and freezer meals timestamp

• Has a "partner" timestamp

  • Rekt the partner's car earlier this year

    • Early on in the relationship, things still going well

  • Partner is currently in the room

Career:

• Usually IT, got laid off 3 weeks ago timestamp

  • Has been applying to a jobs, about 10 applications a day, "getting kind of desparate"

• Uber driving timestamp

  • Was using the truck but it broke "really bad" and couldn't the fix

  • "Very first drive got blinded by the sun and wrapped it around a pole"

  • Car was worth 4 or 5 grand, Ford Focus

    • Mother gave money to bail out? And give partner?

  • Truck has since aged out of Uber

Financials:

• 401k $32'000

  • "About to get split in half" (divorce)

• Divorce Deets timestamp

  • 20k legal fees

    • Lawyer felt bad so no interest on a pay as you go timestamp

  • Caleb pretends he didn't notice this guest is transgender

  • "My ex-wife decided to kidnap my child across the country when I started hormones"

  • "She lied just long enough to establish residency in Tuscon and then I got served divorce papers"

  • Sold home in Michigan (a half-acre) for net $53'000

    • Home was a gift from family?

  • "My ex does have to pay for a portion of my attorney's fees now which feels nice" timestamp

    • About a third of them

  • Married for 4 or 5 years timestamp

    • Married because wife got pregnant

    • "A lot of pretty terrible things she did in the meantime which resulted in other bills I had to pay off"

      • Psych ward visit "from her abuses that sent me going insane"

    • 50/50 custody of the daughter, 4 years old

  • "Why was the divorce messy?" timestamp

    • "She got really resentful because she didn't want me to [transition] because she's Catholic and very strong in her belief that trans people aren't real"

    • "She wanted me not to have unsupervised access to my kid"

    • "During the divorce she accused me falsely of five felonies"

      • "Forging, child abuse, diddling the kid, and abusing her, and I forget what the fifth one was"

      • "That's why she has to pay a large portion of my lawyers fees, the judge was not pleased with that"

  • Wife is living with her parents rent-free, judge decided to count this free rent as income

  • Has until June 1st to get a job

  • Does not qualify for unemployment currently

  • Wife did have a job during the marriage

  • Used to have 3 cars, sold a Chevy 1 ton truck to help pay for the lawyer

  • More deets timestamp

    • Ex's mother is retired

    • Communication is "sparse" with a rude message from her here and there

• Worked for 6 months of the last year? Intiaily timestamp

  • Got a job mid-last year but it was "an IT sweat shop"

    • Explanation of this - timestamp

    • Making $52'000, "much lower than what I made in Michigan"

  • Tried to start a business, "it didn't work out well, I ended up breaking even"

• So where'd the money go? timestamp

  • "So first, I have a big stupid truck I love, that I keep fixing and I have a loan on it. It's lifted and-"

  • "So here me out-"

• Self-scored 1 or 2, "it's pretty bad"

• Credit Card 1 (Quicksilver) (9'167) timestamp

  • $334 minimum payment

  • $10 in transactions

  • 242 interest accrued

  • $167 over the credit limit

  • 30.7% interest rate

  • "For a while I wasn't allowed to touch the funds from the house" timestamp

    • Explanation of how he has this bill from needing to keep "both his cars"

    • Has another car in Michigan at his mother's house

      • "It's also very old and broken"

      • First car, it's always broken but he wants to keep it. "It works, mostly, there's always something a little wrong with it"

      • "I actually hate car-based transportation but I like cars"

• Credit Card 2 (Wells Fargo) (7'270) timestamp

  • $73 minimum payments

  • interest free but not any more, now 30%

  • no new purchases

  • "I've gotten very used to losing money at this point."

    • Caleb takes shots at the Reddit, guest takes a potshot as well

  • Thinking about bankruptcy timestamp

    • Pretty reasonable thoughts behind this actually

    • Has already talked to a lawyer about this, $1700

    • Planning to pull the lawyer fees from his retirement this goes forward

    • Would take about a month or two for the proceeding

  • Mother has agreed to sign onto a loan if needed, already bailed out once while he wasn't able to touch the house funds

• Credit Card 3 (Trio) (2461) timestamp

  • $49 interest accrued

  • $73 minimum payment

• Does not plan on using credit cards again timestamp

• Rent is $850

• Tried applying other places, "Walmart, the gas station down the road" timestamp

  • Rejected from these

  • Walmart mentioned specifically as ghosting him

• Car (Dodge Ram 1500) ($7'000) timestamp

  • From 2007

  • Bought in 2021 - 4 year term, cost 11'000

  • Truck deets timestamp

  • Thinks about $7'000 in repairs over the time he's had it

  • Uses for off road driving frequently for fun (based)

  • Repaired own front suspension

  • Partner bought him new tires

  • Thinks that it's worth more than he owes on it

  • 1 payment late right now

• RV ($20'000) timestamp

  • Bank this is from is "super shady" and won't give statements

  • Thinks 7% or 8%

  • 10 year term

  • has had it a little more than a year

  • Thinks it's worse more than he owes but would be extremely difficult to sell

  • 1 payment late right now

• Caleb pushes back on the bankruptcy timestamp

  • Caleb suggests that he move to Phoenix for better job prospects and only see kid on weekends [timestamp]

    • "That doesn't feel like an option - that kid has so many emotional problems from being taken from me, I couldn't do it to her"

  • Some pushback on whether ending up in this situation was actually out of the guest's control

• Checking Account timestamp

  • Some eating out, oil changes, fair bit of amazon, google, a car wash for the '90s car

  • He gets maybe 5 more car washes for the '90s car - wanted to fix rust on it?

  • $64 worth of steam games

  • $45 venmo to Therapist

• Got state health care? timestamp

• Partner hops on timestamp

  • Did not know about this much CC debts

  • Dog barks because nobody's paying attention to it

  • Partner has "about 10'000" in CC debt

  • On marriage

    • "not happening any time soon" both divorcees

    • partner is 25

  • Dog had lime disease when younger

  • Don't live together, did briefly because guest was briefly homeless in January

  • Guest and daughter were staying in the apartment for a little while

  • "She doesn't know how to cook so she heads to McDonalds"

  • "She hasn't been applying to fast food jobs" timestamp

    • "Only thing I can't see myself being able to deal with is fast food - it just seems so overwhelming"

    • "She's neurodivergent" timestamp

  • Guest hates IT and wants to become a lawyer timestamp

    • Thinks mother or grandmother might pay through school

  • Mention of a quarter million inheritance

• Birds-eye view of the debts timestamp

  • Caleb thinks it's 2 years to pay off

  • Caleb cuts it there

Cameron, 20, Houston TX

At least two Red Bulls

Segment like a really sus video where Cameron explains he consents to the show timestamp

Career:

• "Kinda complicated I guess"

• Part time real estate, part time construction with my Dad

• "From Sunday to Wednesday I do real estate, I guess full time"

  • He lays out his schedule timestamp

    • 5am wakeup

    • 6am gym

• Real Estate agent, lots of calling people

  • Done it for a year

  • Wants to do this full time

  • This month is "most money he's ever made"

  • $14'000 this month but he "spent most of it"

    • Sold a single listing and got them a new place - he knocked their door

  • He tries to explain how timestamp

  • When he started he "spent the money before it was in [his] pocket"

  • Was a server at resturaunt, quit it to be agent

  • Hems and haws then admits it's 2'500 "over 6 to 8 months" so much less than other guests

  • "I try to prospect but like I've started playing Minecraft and stuff you know what I mean?" timestamp

    • This is what he was doing last year instead of working?

  • Works 4 hours a day 4 days a week timestamp

    • Actually it's 1 hour a day of calling people?

    • Actually he's showing houses as well?

    • Maybe 3 a day?

  • A day in the life of a real estate agent timestamp

    • Later clarified to 1 hour a day with a lot of staring at the screen doing literally nothing, sometimes watching Financial Audit videos MARSEY LFMAOOOOOO

    • HE ALLUDES TO HAVING THE ZOOMER PHONE PHOBIA

    • 3 hour lunch break lmfao

  • Saved $2000 of that $14000 check

• Construction timestamp

  • Dad's company, Dad cuts him a check

  • About $125 a day, 3 days a week (around 10 hour days for this)

  • Doesn't know if he's W2 or not

    • "Uhhhhmmm my dad has his company and I just kind of go in and he gives me a check"

    • "I don't know I just get the check and I just picture deposit it into Wells Fargo, it goes into my account"

  • Just started this, started around last month

• Living with his parents

• "I used to make a lot of money as a server"

Personal Life;

• Girlfriend of 2 years is in the room timestamp

Financials:

• Parents helped him out 7'000 on a car downpayment

  • He paid them back 4'000

• He did not set money aside for taxes

• Credit Card 1 (Discover) (1'015) timestamp

  • 1326 previous - 994 payments + 664 new transactions

  • "Why are you putting more money on a card that is accumulating interest?" timestamp

    • He is extremely confident things will just work themselves out

  • "If you look at my spending I try to be really conservative with it"

  • Lots and lots of eating out, some paint he got reimbursed for

  • "Everyone's net worth is negative at 20 years old"

• Credit Card 2 (some bank name) (2404) timestamp

  • $2391 - $200 payment + 157 new purchases + $55 interest accrued

  • He paid another $200 payment on this

  • Credit limit is $2500

  • Ate $29 in fees this year

• His stonks timestamp

• 2016 Jeep Wrangler timestamp

  • $31355 balance

  • 10.something interest rate

  • There's an unpaid balance of $680

  • He tries to explain, his parents took the car out for him, in their name, he's paying for it

  • Caleb seethes because he keeps looking at the camera

  • 6 year term

  • Jeeps in the shop, $300 - lots of other spending on parts for the jeep

  • Suspension is messed up

  • Lots of other issues with it

  • Pays for car insurance under his parents name - $400 a month

  • Went to college for a year, took a year off, couldn't afford to both go to college and pay the jeep

  • He didn't really know what he was doing at college

  • "My way of justifying it was I didn't know what I was doing in college and I had the Jeep anyways"

• Credit Card 3 ($472) (Spark Business) timestamp

  • 536 - $71 payments + $12 interest accrued

  • Not the real estate card

  • "This card was a really dumb decision... probably the worst one"

  • "Every year we get a fee as realtors, we have to pay like 400, 500, I didn't have the money so I opened a credit card and paid it with that."

  • Minimum payment 17, 30% interest

• Credit Card 4 (CapitalOne) ($352) timestamp

  • Minimum $25

  • $8 interest accrued

  • $727 - $700 + $323.85

  • "This month I spoiled myself"

    • He tries to explain why he thinks this is a good idea

• How much he owes to his family timestamp

  • $11'000 total?

  • Informal, gets brought up when the dad's mad

  • He paid 4000, it's down from 15'000

  • Pays $400 for rent

• Checking Account timestamp

  • $150 in there

  • fair bit of going out to eat, eBay headphones, smoking "trying to quit," $1000 into his RobinHood

  • THIS R-SLUR INVESTED 15% of the portfolio INTO TAKETWO HOLY SHIT

    • waiting for GTA 6 thinking it will moon shot

Spending piechart timestamp

• He gave his parents 4000 which might be upfront rent payments might be debt payment? to help pay off the house???

Caleb makes him cry bigly timestamp

• "To be honest, it might just be a reaction to the Red Bull"

Oracle seems to be a long-term sponsor, every video now

Maya, 24, San Antonio

Personal Stuff:

• Full time student timestamp

  • Gets a "Chapter 35" from the VA, her mother is a "totally disabled" veteran so she gets a stipend for all the months she's in school?

  • Gets $1488 a month

    • Will last 36 months

  • Taking 12 credit hours this semester

  • Doing her first sophomore semester right now - took a 5 year break from college

• Dropped out of HS at 17 years old

• Started working at 19 - "partied" for two years

  • Got a job at Taco Bell, promoted to manager at 21

• Bought an RV to move out from her mother timestamp

  • She'd moved back in with her after a long-term boyfriend didn't work out

  • "I talked the RV down to 4000"

  • "1993 Fleetwood Flare"

  • Sold it for 6'000, all that's gone now though

• Why don't you have a part time job? timestamp

• Owns a pet, there's a Petco transaction on CC 1

• Got her eyebrows waxed before coming on the show timestamp

  • "Like you can't tell because - [words words words]"

• Studying "Neuroscience premed" timestamp

  • "I never plan for the future for anything"

  • "There were a lot of times where I was genuinely unable to get a job" - "I just wasn't allowed, physically wasn't allowed"

  • Confusing story idk what this means?

• Over the summer worked at Six Flags, "passed out multiple times" because they would not let her drink water timestamp

• Family Deets timestamp

  • Mother in San Antonio

  • Father in San Diego

  • Divorced when she was little, father raised her and sister alone - mother left to San Antonio in 2011 - first reached out to mother during the RV arc - father is very poor, won't be able to help with much

  • Has had to help father with money a couple times

Financials:

• No Savings

• Both cards' balances have gone up, gone up more since the papers shown

• Self-scored financials 3/10 - timestamp

• Credit Card 1 (quicksilver) ($7'494) timestamp

  • Paid $247 off on this

  • $141 in new purchases

  • Accrued $182 in interest

  • "I kinda girl math myself a little bit"

  • Can't cancel a $60 a month subscription because it's "complicated" timestamp

  • Tiktok shop timestamp

    • "I see stuff on Tiktok and I'm like that looks like a good thing to purchase"

    • "I put a 30 minute timer on it because I'm on there so much"

    • "Just Delete it"

      • "But then how am I supposed to send my friends memes"

  • 30% interest, she thought it was 25%

• Some vet stuff, two cats, kitten got neutering botched and cost another $400

Marseypicker ate the last half of this somehow and I'm not retyping

High points without timestamps-

• 1000 shortfall in her budget

• Tried to kill herself with vodka and ibuprofen wandered over to the police station and called the suicide hotline

• Yugioh deck worth of medical bills from doctor shopping about her a "pain in her right side"

  • Female doctor gave her more tests for no result which she thinks is somehow better than the male doctors telling her to go home because nothing's wrong

• She's got a simp paying for her groceries and her car

  • She goes grocery shopping with this simp and he buys her stuff

• Had sugar daddies a year or two ago while living out of an RV

• Roaches are living in the microwave at the apartment she shares with 3 roommates

Ted, 62, Austin TX

Career/Personal

• Retail Manager

  • $21 an hour, at least 40 hours a week

  • time and a half overtime

  • Around $3000 a month

  • No benefits, he's on his wife's

• Wife makes around $3500 a month

• "retail management is not my endgame"

• Spent 14 years working for Texas "Commission on State Emergency Communications"

  • Got a Master's degree because of this?

• Went to Art school at some point

• Went through a bankruptcy 6 years ago

  • All of this debt has accrued since bankrupcy

• Wife has probably the same number of credit cards timestamp

• He has $17'000 saved for retirement

Financials

• "Why is there so little invested?" timestamp

  • Boomer ramblings and deflection

• Self-scored - 5/10 timestamp

• 150k or so left on his mortgage

• Credit Card 1 (CreditOne) ($811) timestamp

  • $20 in new purchases, $20 in interest

  • Paid $75 on this

  • Minimum payment 30

  • Why Spend on his card?

    • "Our expenses are higher than our income"

• Credit Card 2 (Apple) (2115) timestamp

  • Minimum payment 67

  • $41 in interest accrued

  • Puts his life insurance payments on his card?

• Credit Card 3 (Discover) ($4196) timestamp

  • $69.50 in new purchases

  • Made a $100 payment, also made $100 purchase?

  • Minimum payment $84

  • $57 in interest

  • Lots of mobile games micro-transactions on this card (company called "Zynga")

    • "I was able to quit smoking, and drinking, but I can't quit this"

• Credit Card 4 (eBay) ($1'487) timestamp

  • Made a $75 payment

  • Minimum payment of $30

• Credit Card 5 (Lowes) ($535) timestamp

  • Made $50 in payments

  • $12 in interest accrued

  • $30 minimum

• Credit Card 6 (JC Penny) ($1'591) timestamp

  • Made 75 in payments

  • $40 in interest charged

  • $57 minimum payment

• Credit Card 7 (Venmo) ($753) timestamp

  • $30 minimum payment

  • $102 in new purchases, made $30 in payments

  • $15 in interest

  • Eating out and microtransactions on this card

• Credit Card 8 (Walgreens) ($441) timestamp

  • "I think that's the one that started it all, they had this display when you walk into the store"

  • $29 minimum payment

  • $12 in interest

• Credit Card 9 (Verizon) ($1'290) timestamp

  • He wanted to take advantage of the discount on the phone bill using the card to pay for it

  • $48 Minimum payment

  • $34 interest accrued

  • Made a $100 payment

• Credit Card 10 (Upgrade) ($1'272) timestamp

  • $72 minimum monthly payment

• Credit Card 11 (Upgrade) ($9'260) timestamp

  • Thinks he has two Upgrades because traveling?

  • $126 interest accrued

  • $474 minimum monthly payment

  • "Uhhh I I uh I run a non-profit"

  • "Some of these now that I think about it might have been expenses"

  • "Performing Arts Venue" - He's the president (doesn't get paid)

• Credit Card 12 (Sitco) ($378) timestamp

  • $29 minimum payment

  • $10 in interest

• Credit Card 13 (Chevron) ($128) timestamp

  • $29 minimum payment

  • $71 in purchases

  • 50 in payments

  • $2 in interest accrued

  • More mobile payments on this one

  • Playing "Empires and Puzzles" and a couple others

• Credit Card 14 (Ally) ($228) timestamp

  • $28 balance

• Credit Card 15 (Amazon) ($580) timestamp

  • $29 minimum payment

  • $14 interest

  • $50 payment made

• Credit Card 16 (At Home) ($45) timestamp

  • "Why wouldn't you just pay off $45?!"

• Credit Card 17 (Alta) ($0) timestamp

• Synchrony ($656) timestamp

  • $30 minimum payment

  • Made a $50 payment

  • Made $12 in purchases

    • It was Starbucks

  • $14 in interest accrued

• Credit Card 18 (didn't catch name) ($28) timestamp

  • 28 minimum payment

  • 70 cents in interest

• Credit Card 19 (NFL) ($1'474) timestamp

  • $39 in interest charged

  • Made $43 in purchases

  • $54 minimum payment

  • More in-app purchases

• Credit Card 20 (MGM) ($242) timestamp

  • "We went to Vegas"

  • $5 interest accrued

• Student Loans ($229'000) timestamp

  • he's in forbearance, doesn't know why, Caleb can't figure out why

  • 7.6% interest, 17'000 a year in interest if they ever start back up

  • "Yeah, I'll never pay that off"

    • "You're right"

  • "That servicing company is under investigation or something, it's in the news"

  • "Well it doesn't matter much I'll be dead before that's paid off... so I don't even consider that a debt"

• Mortgage ($122'205)

  • 3.8%

  • $1'268 monthly payment

• Synchrony Bank is where most of his cards are from timestamp

  • 

• Car

  • Doesn't have one, wife has a car, not paid for, newish because of a car accident that wrecked their old one

  • Used to have two

  • Both worked at home but he got laid off then when to retail

• Checking Account timestamp

  • 3'240 + 8'111 - 10'094 -> 1'259

  • Lots of eating out

  • A $100 Verizon payment here, not using the Verizon card since it's maxed out ]

  • More microtransactions

  • "That's how I pay my daughter, we give her money to help her live" timestamp

    • She's finishing up her undergrad

    • Boomer gets testy when question about this

• Wife debts itemized timestamp

  • Not even going to try writing these out, 28 different ones

$906 in interest is accruing a month (not counting Student Loans)

Should he consider bankruptcy? timestamp

• Total $379'000 ($122k of that is the mortgage), includes the student loans

Income/Spending Pie Chart timestamp

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

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

Will, 35

Hannah, 35

Jarell, TX

Personal

• Married for near 7 years

• Two children, ages two and three

• Brought salami

• She is not a viewer, he is, she didn't watch anything prior to show timestamp

Career

• Him - "Food Broker"

  • 68'250 salary

  • $500 stipend for car

  • Another 5'000 in performance bonuses

• Him - Woodworking side business

  • Net $500-$600 a monthly

  • Facebook marketplace

• Her - 3rd grade teacher

  • Math and Science

  • $41'000, paid ten months, not 12 timestamp

    • "You have the choice to divy it up"

      • "But you don't"

  • Has to pay 3 bucks a day for lunch at the school?

Finances

• Married but finances are separate? They "each pay different things" timestamp

• "She has a bit of a spending issue sometimes, like I don't really trust her to have like a joint bank account with me" timestamp

  • Panicked rephrase - "We have uh different ideas sometimes about wants versus needs" timestamp

• Hannah thinks that furniture is a "need" to survive "things for a home are needed" timestamp

• Hannah also thinks that she couldn't trust if they combined finances timestamp

  • She was prior married, with joint finances. Ex habitually spent while neetmaxxing, married for four years

• Both want to make finances joint now? Husband is hesitant about debt, thinks wife doesn't understand timestamp

  • Wife - "I get told things, after the fact"

• Claims about past finances timestamp

  • Tried to talk about finances but they never actually get around to it, high level procrastinationmaxxing

• "So you believe the finances and a lot of bad finances are her fault" timestamp

  • Husband claims the wife makes "a lot of bad purchases"

  • "A lot of them are purchases that we make together"

• Some discussion about what a happy childhood is timestamp

  • they recently spent $800 on a TV?

• Wife tries to justify some spending talking about how they didn't inherit anything and deflecting onto spending on daughter's extracurriculars timestamp

  • Genuinely pathetic

• Housing situation timestamp

  • Used to rent a house in Long Beach, now they rent one here, moved because it's more affordable. Spent "every dime" ($12'000 )

  • "Unfortunately my husband was also in charge of the move"

  • Minor bickering, wife doesn't feel 'included' in decisions, quick rehashing of an old argument about what they brought with them while moving timestamp

• Scores timestamp

  • Him 1/10, her 8/10

  • Wife gives her perspective on things, she feels like she only gets a glimpse of how bad things are sometimes? Never thinks about it?

• Wife Statements timestamp

  • A few Ikea, some fast food, a couple Apple Bill, the grocery store, tickets to SeaWorld

    • Sea World explanation timestamp

  • Husband's travel expenses somehow ended up there because she paid for it? timestamp

    • They are going to visit family "for Halloween"

  • Pushback on whether wife is actually the reason for the debt timestamp

    • Wife looking smug

  • There's a $300 overdraft protection timestamp

    • No fees but she still overdrafted

  • $1'845 in, $2'386 out timestamp

• Car "situation"

  • Foreshadowing - wife "didn't have her id" timestamp

    • Car is under his name because wife doesn't have as steady a job history? She had a credit card she wasn't paying on that went to collections. She "got so overwhelmed"

• "We were in a different position in our lives when we decided to have the kids" timestamp

  • Juicy deets - He was a chef for 15 year, lost everything during COVID

    • Executive Chef, owner wanted to not close down the second time. He'd already used his unemployment benefits

    • Background not in video - Cali's lockdowns were, on paper, a couple steps away from turning every 'citizen' into a prisoner. The state told people they couldn't go more than a few miles from home, couldn't cross county lines, all sorts of other tin pot tyrant insanity. A city deciding devastate some restaurant that didn't kowtow is completely in-character

  • Tried solar sales and being a realtor between this and the food broker job

  • Filled up his CC during his attempt at real estate timestamp

    • He's still in real estate classes? Takes a couple hours

    • Descends into more bickering, he's worried about committing to the wood-working

• Debt timestamp

  • Credit Card 1 - Quicksilver ($5'072) timestamp

    • 174 minimum payment,

    • he paid 372 but made 188 in transactions got 122 in interest

    • Purchase explanation timestamp

      • A $160 router on amazon - switching from Optimum to Fiberfirst

        • 150 for the router, 10 for the fiber receiver

      • They had a mesh router system but it stopped working

      • Caleb simps for renting routers

  • Credit Card 2 - Chase Freedom ($5'665) timestamp

    • Bickering about whether or he had told her just how much debt they are in timestamp

      • she thought it was seven or eight, not 30'000

    • Made 2'650 in payments, 2519 in additional transactions

    • Fair bit of eating out, some subscriptions, a couple trips out with the daughter

  • Credit Card 3 ($2'434) -

    • $81 minimum monthly payment, 52 in interest accrued

  • Credit Card 4 - Shell - ($632)

    • $16 interest, $29 minimum payment

  • Credit Card 5 Best Buy - (1'816) timestamp 1 also timestamp 2

    • The $800 TV and her phone

    • "How much was my phone"

    • TV was zero percent but he didn't finish paying it off before that ended

    • Phone is currently in the interest free period

• Car time timestamp

  • "Ask him about his cars"

  • 1998 Jeep Cherokee - 117'000

    • Got it because he heard it's very reliable

    • Had a Chevy S10 prior that had a lot of problems, engine blew up, needed help from his granparents to replace that engine

    • At the mechanics right now because "a pin fell out" - mechanic is putting in a push button start, not charging for labor?

    • Owes 4'196 on this timestamp

    • $204 minimum payments, 36 months

    • He thinks the interest is twenty-something, maybe 24%

  • 1983 Mercedes and some other car at some point

    • Needs a vacuum that costs $250 to replace

    • Posted on Facebook marketplace but took it off while the Jeep is getting repaired

    • Thinks he can get $3'500 for it after he replaces the vacuum

      • He bought this car in California

  • Kia Van

    • 306 minimum payment - she pays $500 into some account that takes autopays it every month?

    • Her car, under his name because she forgot her id that day?

    • Took out a loan through CarMax, refinanced it jointly with her mother - interest is 3.4% maybe?

  • "I think we should just get a new truck"

• Amazon Purchases timestamp

  • One or more of them is taking Melatonin

  • The router timestamp

    • Caleb (routerlet) seethes for a moment

  • Subscriptions for a 15% discount on household necessities

• His Account statements timestamp

  • Mostly sane stuff

  • $5 in savings

• $7'000 in the business account

  • Gets his checks there because he's a 1099 not a W2

  • Also pays his rent out of here because Quickbooks tracks his business account and then he splits it within that account - whole garage and office are what he's writing off

    • got told that this works by a CPA friend of his

• Wife goes for the throat "You've literally confessed to..." timestamp

• Retirement

  • His - $4'200

  • Hers - $1'200

Overall Finances timestamp

• 42'000 a year from his main job

• Some from wood-working (he hasn't paid taxes on this, mostly done in cash )

• Ad placement from injury lawyers, Caleb's hit the big time

• Pie chart timestamp

  • They get charged subscription fees for Smart Locks on their rental - no mentions of tipping

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

I think I might have missed a couple loans but it was a little confusing.

Alex, 26, Houston TX

Personal:

• She buys whiskey flavored coffee grounds, based alchy?

• Claims to do "gravel biking" or something? Has some outdoorsy smart watch

• Nobody taught her how to drive so she got tickets timestamp

  • My dad literally told me to go get a car and drive it back to a city

  • She kept getting stopped for black plates and ticketed for other things until a Border Patrol agent told her?

• Got a dog at some point? timestamp

  • Dog bit her inhaler, a 2k medical bill

  • Dog timestamp

• She IS a credit card person timestamp

• Mentioned that she was kicked off of Lyft, she doesn't got into a reason

• Demands the studio wagie "prod*cer" pick up her pen after Caleb "drops" it timestamp

  • Now you can pick up both of my pens

• "It's not even that bad, it's like a quarter of some of the other people" timestamp

  • "I had no choice"

Finances:

• Car (2017 Ford Fusion)

  • Had a 10'000-13'000 13% loan that she refinanced against the car, 21'000 loan 29% interest

  • Late on her payments for this?

  • $404 minimum payment?

  • Her car is worth 8'000 at most

  • Told company she was considering a voluntary repo so they lowered the monthly payments, she doesn't know if there was also a term extension

  • Got this loan because she was unemployed for 6 months, she has a folder of loan offers she's received in the mail

  • Something about the dealer doing something weird while running her credit? timestam

• Late Payment timestamp

  • "I don't have a late payment"

  • "I just got the loan and yesterday was the first day I made a payment"

  • Caleb btfo completely, it wasn't a late payment.

• Loan 6'000 timestamp

  • 198 a month

  • Personal Loan 29%

  • To pay her rent

• Dissolved her 401ks, owes at least 1450 in taxes timestamp

  • "I didn't submit a 1099 form, I didn't know how, there was no part for that"

  • "When I was filing my taxes I just didn't see a part to submit it"

  • "Well they taxed me when I withdrew so I thought maybe they taxed it"

  • Was due in November but she "[hasn't] been able to get in contact with them"

  • She's drained her 401k twice?

• Credit Card 1 (paid off) timestamp

  • Ate a late fee on this one because she hadn't gotten the personal loan at this point?

• Card 2 ($402/$500) timestamp

  • Has a bunch of gym subscriptions?

• Verizon bill 2'000 payment timestamp

  • she discontinued services and had financed devices

    • Got herself a phone, his dad a phone, "he didn't like it so he broke it instead of letting me return it"

    • "He is living like a homeless person and I felt bad"

• Education - timestamp

  • 10'000 in student loans

  • "multi-disciplinary studies in business administration, digital marketing, and sculpting?"

  • Did not graduate

  • Transferred from one uni to another in her current city? Time frame is not accurate, thinks she has completed 90 credit hours?

  • "Technically I'm a junior" didn't want to continue remote because it was "stupid" as an art student

  • Thinking about paying her personal loan off with more student loan money?

• Owes some energy company 400 timestamp

  • Doesn't remember when this was

Career:

• Remote Call Center Rep

  • Got 6 months warning?

  • 6k severance (3 months?), she had to stay until her end date to get this?

  • 6 months unemployed

Firing Explanation timestamp

• Found another job but got laid off from that because they were "incompatible"

  • "I didn't like the way they ran things and then they didn't like what I had to say"

  • Something about the trainer making fun of the sexual harassment training and some other dumb stuff?

    • Actually this wasn't the issue she "kept this to herself"

  • "I have certain disabilities so I had to shut off my camera so they said that I was shutting off my camera way too often"

"Well when they fired me they used different reasons"

"They had pulled me into a conversation and they were like really aggressive and they said like 'you keep shutting your camera off' and like i-if you do this you're going to get fired' but I told them like I have a disability -"

"What's your disability?"

"Huh oh - I have overactive bladder and I have asthma and I have allergies that trigger my asthma"

• She uses a wireless headset so she can stay connected while using the restroom? She thinks they didn't know this? That they didn't know she was still listening or that she has a disability? She told them in the "if you keep doing this you're going to get fired" meeting.

• She mentions later that she turned down calls from other jobs offering because she was hoping for a higher paying role

23 year old

Mother pays for (inclusive, not exclusive) -

• 1200 a month rent? Lease ends in April

  • "Everybody has rent. Rent sucks" timestamp

• Lyft rides to the golf course and everywhere else

Caddy Jobs -

• He thinks 3000 a month once things pick up from talking to the other caddies, brought in 400 last month

  • Wait no actually he's leaving in 3 months

• Likes being a caddy?

Caleb's shilling BetterHelp now

Muh mentals

• Claims "really bad ADHD" makes 9 to 5 impossible timestamp

  • Has been going to therapy for "a while" (10 years), gone through 4-5 different medications

Education

• for college will be moving to NYC

• wants to do a year of Community College to raise his GPA, he's not sure how much he can raise it

• Way too far away to commute to the golf course

• College for Cyber Security

  • I couldn't handle working with this fricker lmfao

  • "I think that being red team on a Cyber Security job would be fun"

• "Certified with Cyber Security" through Google career cert

  • has applied to over a hundred jobs, not a single interview

    • Later clarifies that he applied for about a week and then gave up, this might be a different application spree but I'm not sure timestamp

  • Resume is shit and has no idea how to make one

• "High school was really really rough for me... I effectively tested out of high school"

  • Went to college for a couple years and "fizzled out" with covid, later clarifies that he "tanked out of college"

• "I had a bit of a stint of I don't want to go back to school because I'll make my own way and blah blah blah Internet redpill stuff"

  • "As much as this is possible I've been failing with consistency so hard that I need to go back to school"

"Do you follow pro golf at all?" timestamp

• "If you look up a couple people like [name] and [name] they come out to that club"

• Looking to get a scholarship for gaming "esports"

  • "I am a very high level g*mer, I play Overwatch" timestamp

  • Caleb slaps him down, this guy was third best in some game he shared and he copes massively for the next few minutes about how stats aren't everything

  • ranked 41 in America "multiple times"

    • Currently "somewhere in the top 500" he thinks 220

  • If he manages it this would be close to a full ride

  • He pays for a pro Overwatch coach - $35 a session? Only one so far?

    • Coach works at a school that he might want to go to?

  • He streams his Overwatch (sometimes)

  • His girlfriend took the PC during a rough patch

"What if I just don't feel like getting a job right now?" timestamp

Finances:

• Near irrelevant since his mother is basically paying for things? I'm confused about this because I don't think he admits this but the 1200 a month has to be coming from somewhere

  • Later details on the mother timestamp

• Tries to explain why he's spending so much on his stupid shit timestamp

  • More justification about how tough it is and how expensive things are listening to this subhuman talk about a mom-funded Lyft trip to the store is actually making me mad

• His card is interest free right now but will be 35% interest in 2025, he's not even paying it off lmfao

"You either lied before or you're lying now, choose which one" timestamp

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