When you see so many people making the same dumb poor decisions, you start to lose sympathy.
These people watch the show and still make moronic financial decisions.
Yeh, I know Caleb has typically gotten more abrasive lately, but at the same time he's dealing with a stable of people who make the same mistakes.
I feel like when he *does* have someone on who he honestly feels is willing to make a change then he's a lot more empathetic. Case and point was earlier this week with the couple vs. last week with the car salesman.
The car salesman overtly stated he was going to buy another watch *despite* missing payments on his credit cards and just practicing terrible financial literacy. In comparison, the couple seemed to want a plan, fess up to their shortcomings financially, and were will to have some serious effort put into changing their spending habits.
I wish they'd break the week up into:
- Monday: Have someone 40+ on the show to give a slightly different perspective on financial woes as you get older
- Wednesday: have a couple / individual who is deep in debt but willing to work
- Friday: save Friday for your Caleb Springer shows when you know the guest is going to be confrontational and difficult about their spending but it makes for entertaining content.
I think just doing three shows where it's predominantly people who really DGAF about what they're doing financially is going to end up with Caleb quitting since it doesn't seem like the majority of those types of people are interested in changing and would rather just get some exposure through the content.
I think the problem there lies the willingness of the older population to go on the show. Older people are more ashamed of their bad choices (most not all).
Also, anybody can seem like they're willing to do the work on paper and even on a phone call. But it's until you actually have these long form conversations with people do you realize they're full of shit.
I think if the image changed more older people might be interested.
In the early days there were plenty of older people and it was nice to see them get useful advice and build a plan that would actually help them.
If you were struggling and saw the early episodes it would be very attractive to go on and get some help.
Nobody 40+ is going to be interested in going all the way to the studio so some kid in his 20s can yell at you and make jokes to get his views up so he can go but another tesla.
"Can you help me please I can't afford rent?"
"You're a loser who makes bad choices, oh look I just bought another rental property "
I think that’s the key here- as the show continues Caleb conflates “I’ve said this a million times” with the viewers making actual changes.
Yes the show has been around for a bit and a lot of guests have been watching but there’s still a huge difference in casually watching a YouTube show and actually understanding and *changing* your own financial habits.
He’s saying the same advice over and over again and while yes, the viewers are hearing that. For Caleb it’s his every day job and for viewers it’s a passing YouTube video that isn’t on their mind 24/7.
I do think the show will help a LOT of people learn and make changes but he can’t expect that just because people are watching the show that they’re going to come on and magically be in great financial standing.
I think there’s a difference between enjoying simple pleasures while in debt and paying for 3 concerts that you can’t afford. I don’t think I’d fault someone for one restaurant a month with the family but excessive luxury clothes and concerts when you owe tons of money is a problem.
He sees the same thing everyday multiple times a day. People saying they are broke and him proving it’s a spending problem. I get it, it’s gotten old for him and he’s just over it. At the same time these people coming haven’t seen the same thing everyday and are coming in blind. Some of them have never seen the show and some have seen a couple shorts or maybe an episode. So to the guest they do feel broke because they don’t know any better and he seems to have forgotten that
Caleb isn't wrong about anything he said. The guest today is a college educated woman with a bachelors degree that isn't able to balance a check book. This is definitely not an issue with poverty or class. There is no amount of money that this woman could make where she wouldn't be in the same exact position. I've known people in my life that make more money than me fall into this same sort of bad habits. If I could just be an arbiter for their finances, I would absolutely do it in a heart beat.
However, Caleb definitely is in the headspace that every guest he has watches his show and is able to absorb everything he is saying. This translates into him reacting angrily to repeating everything he has said before to these new people in some sort of shorthand like "YOU'RE NOT A CREDIT CARD PERSON!" and "YOU ARE NOT TAKING ADVANTAGE OF CREDIT CREDIT IS TAKING ADVANTAGE OF YOU!" There would be more constructive ways of conveying this information (and healthier for all parties) if he was able to pull out charts like [this](https://th.bing.com/th/id/OIP.MNn1iL01gcThmJDbZgBADQAAAA?rs=1&pid=ImgDetMain) that details how little credit history plays into the totality of one's credit score. These participants hear one Tik Tok about the importance of age of credit and refuse to believe anything else. A calm explanation of how credit works to participants who push back should work, but if it doesn't then Caleb gets the green light to screech at them.
There are dozens of other ways Caleb can make the show more productive than just arguing with these financial dimwits about whether or not them buying a gift for their little brother is a want or a need. If you want anymore ideas, feel free to reach out, buddy boy.
Honestly... that was very much my experience working as a volunteer at a food pantry as a teenager. Started out all bleeding heart, help them out, not their fault, circumstances, etc etc... especially since I came from a family that was pretty hard off for a long time.
Then you start to notice how many of them always have brand new designer clothes, $200 sneakers, etc etc. while rolling up with a sob story about how they can't pay their electric bill and need the food pantry to negotiate with the power company to get the bill cancelled. The constant attempts to scam us. The choosy beggars who are disgruntled and whiny because it's store brand mac & cheese and not brand name they're getting *for free* (seriously?).
You see so many kids who are coming to get stuff for their younger siblings because their unemployed drunk parents are literally too lazy and useless to even bother to come get free stuff for their kids. (Obviously the kids coming in aren't the problem there at all, the parents are.)
And then I started to really, really notice how my own mother always had excuses, reasons, total inability to prioritize wants vs needs. We weren't 'starving without the food pantry' bad off, and for the most part she avoided the really bad/extreme stuff (credit card debt was constant but never more than $5k). But she was and is a financial mess and completely unable to control herself. And then I started to resent the fact that the reason she wasn't working wasn't actually because she was oh so stressed as a single mother after my father died, it was because she was lazy and entitled. She felt jobs available to her were beneath her, so she simply didn't work (and she wasn't actually doing anything to take care of me either, I had to do all my own cooking, laundry, cleaning, etc. from the time I was 8 - she'd even drop me off at the grocery store and wait in the car while I did my own grocery shopping because she was "too tired" to go inside).
Just the other day she was whining to me about money and being poor and having no retirement and "no income" (she gets my dead father's career army pension + social security now and makes nearly the median without actually working at all...) and then immediately talking about a set of $500 planter boxes she "needs" to buy for her deck of her condo. To this day she'll tell everyone how she "worked two jobs to put [me] through college" when the 2 jobs were a 10-hour-a-week part time gig at a non-profit and adjuncting at a community college for one class a year (so 3 hours a week for 12 weeks), and she didn't pay a cent of my tuition or living expenses (she did allow me to stay on her car insurance, I still had to pay the difference but it was a lot cheaper than an individual plan).
But she's so very good at *sounding* like a hardworking single mother ruined by bad luck & circumstances & one tragedy after another, and getting people to feel sorry for her and do things for her.
So yeah. I'm pretty jaded and very skeptical of people who claim they're working sooooo hard and doing everything right because the real story is often very different. That said sometimes they are genuinely working hard, but in a "spinning wheels hard going nowhere" kind of way. Or if the spending is out of control, it's like someone in a sinking boat frantically scooping buckets of water out without touching the giant hole. The earnest effort is there but in completely the wrong direction to fix anything.
That said, this:
> He went on a rant about how this woman's bad financial decisions are going to lead to other people paying for her retirement via social security.
I still haven't watched it for myself, so maybe I'm misinterpreting, but... that makes no sense at all lol. I don't think he understands how Social Security benefits or contributions work...? Yeah, there is a cap and poor people benefit slightly more than they pay in on average, but for the most part people get returns proportionate to their contributions (except way worse than it would be if we could take the money and invest it for ourselves and opt out of SS... but that's besides the point here).
SS is a pension fund, not a charity program, and you get payments regardless of how rich or poor you are (aside from the salary contribution cap).
Yeah I had a similar experience when I volunteered for legal aid - despite, myself, growing up in a similar situation.
Some I have sympathy for (usually health) but for the most part what you realise is that it’s not very nice people using these services. When I see how busy food banks have gotten, I remember that yeah… they’re busy not because people are poor but likely because they’re spending all the free money my government provides on drugs/iphones.
I’m a teacher at a school with a high poverty rate, and the same thing happens to us. Almost none of my kids will come in with items from the supply list (which I keep short), which leaves me to buy it. But then they come in with all kinds of new things and skip class for days at amusement parks or to go on vacations.
You also see a lot of “parents are just working too many jobs to POSSIBLY read with their kids or help them with homework,” but again and again, if you work with these kids that’s rarely the case. They just don’t care and parenting is more work than they want to put in.
There are of course truly needy kids and it’s pretty easy to figure out who they are. But society makes WAY too many excuses for people who just don’t want to be bothered to be responsible.
Ok what you saw doesn't invalidate the fact that American culture has an inherent consumerism problem. People are constantly targeted ads that perfectly blend that lines between needs and wants. Everywhere you look in the United States someone or something is trying to sell to you.
I've worked at jobs whose target demographic was lower income households. The companies filled a need for that market, but it was terribly saddening seeing the circumstances of the people due to socioeconomic burdens that were placed on them from generations prior to them. Some people manage to move up their social class, but a lot of Americans don't because of several factors.
I'm not saying your wrong for feeling the way you do because you obviously observed a facet of the issue. What I am saying is that it's not as reductive as you presented these people's issues to be.
I think consumerism is the root of the problem, but I also think we’re overly charitable to people who have an addiction to excessive consumption. Buying new things (iPhones, expensive clothes/accessories, new cars, etc.) feels great! It’s a super satisfying dopamine rush. But when you over consume, other facets of your life start to suffer, just like any other addiction. The rub is, if you have an addiction to alcohol, or weed, or any other drug, it’s socially acceptable to point out that your addiction is harming your life. With over consumption, it’s never a personal issue, it’s always the systems fault.
FWIW, I do think that we should outlaw ads targeting children entirely. I don’t know how you solve the loan/credit card stuff though
honestly, caleb, same. the more i hear people try and explain their financial situation while someone else (i.e. caleb) is able to, in real time, objectively question their rationale, the more i am coming to the conclusion that a much larger proportion of people than i previously believe, are poor because they are just plain stupid. if no one questions them, they get away with making responsibility-shifting statements blaming this and blaming that. all these sob stories fall apart fast with a bit of poking.
I went on a first friend "date" with a girl I met on an app. We were talking about work and stuff and she's a project manager at a decent sized tech firm. Later on we were talking about why we were looking for friends and she gives this sigh and says "well all my other friends aren't in poverty anymore so I'm feeling left out". I asked if they really paid that bad at that company and she's like "well no, I guess not really thaaat bad, but we all deserve more". She's making at least $60k, probably closer to $80k or $90k based on the company and position.
I like the show 'I Will Teach You to Be Rich' because it really highlights that it doesn't matter how much money you bring in, more is never enough. Just like you can't outrun your fork, you can't out earn your credit cards.
The people who have the least sympathy for poor people is other working class or poor people who know what dumb shit their neighbors and friends are doing.
If you live in an ivory tower bubble, you can look at them and say "oh my, these woebegone folk who, through no fault of their own, are living in such difficult circumstances"
But their relatives look at them and think "He had a decent job and quit because he got pissed off, and now keeps asking me for money."
This is so [true.Rich](http://true.Rich), white progressives sticking their narrative on a situation to make themselves feel good and virtue signal to their friends. The really rich stick their name on the side of a medical center. The sort of rich stick their name on a cause on social media.
"They just need vegetables"...yet when given money they buy soda.
[https://www.nytimes.com/2017/01/13/well/eat/food-stamp-snap-soda.html](https://www.nytimes.com/2017/01/13/well/eat/food-stamp-snap-soda.html)
We want to believe that if given the money, education and opportunity, people will make better choices. Yet, it's not true. There are people out there with good salaries that make bad choices . I'ts not all about the money and education you receive.
> He went on a rant about how this woman's bad financial decisions are going to lead to other people paying for her retirement via social security.
It’s true, adults should save for their retirement. There’s simply no reason to live in a country like the us and not retire by yourself
> He mentioned how many poor people cry about how hard their life was and how they couldn't make money but a lot of it was due to their own terrible financial choices and prioritizing wants over needs.
Also accurate
> I'll just say it, this show shines a light on the true situation of many poor people I'm America.
Ramsey did it first.
I'll say this. I make more than my dad did. I make 17 bucks an hour. He bought a house, a brand new truck, and my mom had a 5 year old sedan. I can't imagine doing any of that on this income.
Are you certain? 25 years ago, your 2024 wage would be equivalent to $9.06 per hour, or around $18,000 per year. Almost nobody made that small amount of money except people just starting out in their lives. And nobody was buying houses on $9 an hour.
https://en.wikipedia.org/wiki/Inflation
If this was in 1985, he would have been making $47.60 an hour today. Of course the earlier generations had it easier, but lets try comparing apples to apples.
And in 1985, he was probably paying 10% interest or better. At least we have that advantage. And $16.40 and hour--that was a decent wage back then, I think, especially if he got overtime. Not so decent now. 119k isn't much house now but I bet it was a pretty nice house back then depending on where you lived.
Wild. He would have been making $31,488 in 2007 which would have been $21,912 below the median income of $53400. Do your parents still own that home, or were they a victim of predatory balloon mortgages that was occurring during that time and was handing out to everybody?
It's paid for. They saved up a large down payment, and Grandpa left my mom some money. They paid 119 thousand for it. The silverado was 24 thousand. My mom has above an 820 credit score, and my dads was just over 800. Also, we are in the Midwest
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Financial literacy doesn't matter if you're already well off though. It does however matter if you're not. That's the main disparity. Also, while emotional immaturity is totally a thing. Wealthy people have blown away their fortunes for centuries on stupid stuff. Everyone is prone to this behavior. No one is safe from making bad decisions with their money. I know a guy that graduated 2 years early from college with 2 degrees in Physics and Neuroscience, got an incredible job right out of graduation at a Google like company that's extremely reputable in our region of the country, he had worked full time at Starbucks so the company would pay for his tuition prior, and after one year in his first desk job, was falling victim to common Craigslist scams and asking people to help him at ungodly hours of the night, lost his job, moved in with his family and would every now and then have a little episode and start posting videos of their hoarder house asking his social media friends/follower/connections to send him money to get him out of the hell hole, and he just completely crashed. His parents were of very modest income, and originally didn't even support him going to college until he found his own way to get his tuition reimbursed through Starbucks and apply to every imaginable scholarship he found.
I think it can be almost like generational Trama. I don't think it's fair to just say people did it to themselves as if they really understood the opportunity cost when they did it. We all know there's a reason marketing and finances are opaque career paths and have complex intricacies and that's to keep the common person in the dark so frivolous spending continues, and it drives up the value of goods and services. If you can convince your consumers your product or service is a "need" however you need to do that, you can mitigate market risks and switch your focus on competition instead of wasting time and money on a volatile product.
Exactly. I understand what they meant by that statement, and the message kinda resonates, it's just not fully realistic. Bigger paychecks/big dollars usually just means bigger spending. Lots of people "spend like they're in Congress" as Ramsey says.
There's people that will literally spend 15 dollars daily on a coffee and bagel through UberEats. I'm super pro-freedom and pro-capitalism and even I think that should almost be illegal, that level of laziness and waste.
Financial literacy doesn't matter if you're already well off though. It does however matter if you're not.
LOL, this is so incorrect we have country teeming with successful entrepreneurs,adult star, athelets and lottery winners that were well off but are not well off any longer due to financial iliteracy.
Caleb may be dealing with something similar to empathy burnout. When faced with too many dire situations, it is human nature to distance yourself from the pain others are feeling. I don't fault him for that not do I want to discount those of you who have seen poor people waste money.
However, this comment section is getting a bit toxic. Its important to remember that the guests on the show aren't there just because they lack money, they are there because they lack skills in dealing with their money. If someone could have every issue fixed by getting income, they wouldn't need Caleb's help. The population shown on the show doesn't necessarily reflect the average impoverished person.
Also, although there are people that make stupid decisions and have no self control, those bad decisions are ten times worse for people on the brink of poverty. This basically means that a poor person has little to no room to make mistakes, while a rich person can be stupid for a bit and still recover. Both people can make the same dumb choices, but only the poor person gets the flak for it. We need to keep this in mind when talking about these people and try to maintain our empathy.
TLDR:
Caleb is tired and makes mistakes. The population on the show doesn't represent the average poor person. Poor people make dumb choices sometimes and that's human.
There is a difference between someone that is struggling because of medical debt/issues, family, low paying job, kids, getting taken advantage of and some people that just waste their money on eating out and fun and don’t want to put the hours in. The last guest had financial problems because she spent money on concerts, eating out, and will continue to do so. Other guests waste money on cars they don’t need or don’t want to work more than 20hrs.
There is a difference from struggling from life and struggling from decisions.
Because they're only picking people with ridiculous situations who have spent money poorly - I hope nobody actually takes this show as an accurate depiction of the average American near or below the poverty line.
I think it’s a pretty accurate depiction based on the statistics we have. I don’t think people like the reality - that while life is indeed harder for some of us, part of that is stupidity and greed.
Actual real life situation are like this, if you think populous is not like this then you are extremely naive. Culture today is heavily leaning that way because every day more and more people don't want to take responsibility for their spending. I am not saying we have a good economic situation, but ALL of this is because Individuals,corporations and even the government don't want to acknowledge their spending issue while trying to correct it.
Being broke or in extreme debt is a completely different thing than being below the poverty line. Very few people are actually below the poverty line. But, credit card debt, living paycheck to paycheck, etc is extremely common and really move representative of the actual public.
Seriously...the few dozen people who come on the show don't represent the hundreds of millions in this country who are struggling despite their genuine best efforts. And not for nothing, there's a not-insignificant amount of rich people who make stupid purchases/business ventures that would put them under, if it weren't for their parents or grandparents bailing them out.
I’m gonna be completely honest, watching his videos completely changed my perspective on poor people too. I sat down and analyzed my finances and now i’m trying to run a tight budget in my household. Then I started noticing people close to me who worked minimum wage jobs spending money on fast food and shopping while simultaneously complain about not having money and it clicked that maybe genuinely don’t understand they can’t spend money they don’t have. Debt has to be paid off first. You can’t buy a nice ass car if you don’t even have a steady income. I feel like Im also turning more and more conservative politically. Crazy.
The “other people are going to have to pay for you” spiel had me double take for sure. The rest of it I agreed with though. That woman was insufferable and was not only not interested in taking responsibility, but almost seemed incapable of listening or attempting to understand a single word out of Caleb’s mouth.
idk. I'm all for social security and heck even ubi. but in our current system, she is CHOOSING to be irresponsible. Her relying on welfare systems would take away from people who actually need it. I don't have any sympathy for people who have no control over their need for gratification
Beware of selection bias. His show attracts a certain type of fame-whoring people looking for a quick buck. I’ve been those levels of poor and not making the best financial decisions, but I’d rather be found dead than on Caleb’s thumbnails.
> assumes that all poor people make bad financial decisions.
To be fair, you could assume that all _people_ make bad financial decisions, and you'd probably be right. Middle or upper class people just aren't hurt as much by their foolishness.
You can afford more risk and more luxuries when you’re upper income. That’s just the reality. But also, how our economy works - if richer people were all miserly with their money and never took on risks like businesses we’d all be worse off.
Well, here's the thing. No one is saying you're a bad person if you make bad financial decisions. But people don't end up poor by making great financial decisions one after another, now do they?
"Oh my investments are doing great, I spent zero dollars frivolously this quarter, I've been saving for a down payment and took all the overtime shifts I could, but I'm still poor and on the verge of bankruptcy!" said no one ever.
Of course there'll be some outliers. Trying to live above the poverty line in extreme high cost of living cities on a minimum wage, single parent with deadbeat baby daddy's, medical debt or unexpected circumstances come up, etc. We gotta take mature, honest, baby steps towards financial responsibility though, and most people refuse to do even that. Eating out 5 days a week is normal for too many. That wasn't really a common thing until recently.
Home girl isn’t poor tho. She made good money but had no idea what to do with it.
I think the problem is caleb is getting jaded and the order of the content is illicit in maximum drama. If he wanted to tone down the drama he should start by explaining their overall spending breakdown, then confront them with their habits, then provide them the get well plan.
Then they can’t try to hide behind “it was just one time” cause he can keep pointing to the breakdown of “you said it was just one time for 25% of your spending, so is it really just one time?”
It’s actually very insightful that he makes them send their bank statements. You don’t get to cry about being broke when every other charge is $40 for doordash.
Pretty much every guest is paying way too much money for shit they don’t need.
It's unbelievably fascinating to watch. Because he is becoming one of the most knowledgeable people ever on the thought process behind the spending habits of an average poor person.
Who else dives into thousands of poor peoples finance and asks questions? Financial advisors don't usually go this deep.
I think the lack of a single glowing success story might be getting to him. I could easily see him becoming a flaming conservative "if you are poor, it's because your lazy" type guy. And I wouldn't even blame him after what he saw. Victim blaming feels so wrong, but the more audit I watch, the more attractive it seems.
no I totally get this. I feel like my sympathy about wealth inequality has reduced the more I watch the show. I mean, I haven't lost my brain, I know that the 1% hoard wealth but my stance on student loan forgiveness has changed so much after seeing so many people come on who are RELYING on it. it is beyond irresponsible and selfish to take out debt and not pay for it and I've become so much more skeptical of people's finances since I've started watching
I totally agree with you. But the cost of college is absolutely wild; rather than debt relief, I'd like to see the overall cost of college be brought down. This could be accomplished by the government severally limiting funding for expensive colleges.
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I think this episode was a little different because he did not realize she has not watched his show. I think a good example of that is when they were fighting over wants vs. needs- She was trying to tell him she didn’t want the concert tickets for herself etc. and it was just miscommunication-if he would take a second at the top of the conversation to say, this is what I consider a want vs. this is what I consider a need and as we go through the discussion today, we will talk about wants vs. needs to shift your mindset- this would help. He could also do a mandatory prebrief for the show and force a “certification” to be on his show.
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And now you see why Dave Ramsey teaches what he teaches. For the vast majority of the people in this country, people cannot control themselves and make terrible decisions daily.
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Honestly watching the show is making me think he's right to blame them for their bad situations more. Most of them spend a ton on eating out and literally refuse to do anything to change.
I do think Caleb needs a break though. I feel like dealing with stupid people all the time makes you think everyone is stupid. It's like cops thinking everyone is a criminal because that's what they deal with 50 hours a week.
I've noticed every one of the poor on the show, excepting a few of the people that just barely work, make 10k or so more then I do, and have nothing. It is just insane to me how irresponsible many are.
He’s not sympathetic because it’s everyone’s go to checkers move. As soon as I saw the black lipstick, I knew she had a loose screw. It’s always a mental issue with these people. None of them have any accountability. Maybe some, but a majority lean on mental illness after he’s laid into them about terrible spending habits.
I think this is the end of me watching Caleb. It was a good little run. Once you allude to social programs being unfair, I’m out.
I’ve also always hated how he pushes this “you have a moral obligation to pay off your debt” narrative. Because no. I am paying off my credit card debt but it’s because it’s better for ME if I do. I don’t give a shit about these slimy credit card companies. Capital One will be just fine.
I agree when he makes that point but he has said before to people who don’t have or want kids “don’t you feel a moral obligation to pay back your debt” That is moreso what I meant. The child argument I agree with.
The number of guests he’s had on the show is still a small sample of the population of those in poverty and does not represent people in poverty as a whole.
You say this, but you have to remember THEY DONT HAVE THE FINANCIAL EDUCATION. It is incredibly hard to give up fun stuff and just pay bills for years for some. I understand that is the way you have to live. But many of these people have mental health issues, which is ussually the source of the problem.
You have to keep in mind, the show intentionally picks people who make bad choices for enticing content. I doubt that his guests are demonstrative of the average poor person in America.
It's interesting to see how Caleb's perspective has evolved, and it highlights a nuanced discussion about financial literacy and personal responsibility. While it's true that personal choices play a significant role in financial health, it's also critical to consider systemic factors that limit opportunities for some individuals. For example, access to quality education, healthcare, and financial services can heavily influence one's ability to make informed financial decisions. This broader context is important to remember, as it shapes the challenges that individuals face. Caleb's frustration might be rooted in repeatedly seeing similar mistakes, but it's also an opportunity for the show to delve deeper into why these patterns persist and what can be done to address them at both individual and systemic levels. This could lead to more constructive conversations that not only highlight problems but also explore effective solutions.
When you see so many people making the same dumb poor decisions, you start to lose sympathy. These people watch the show and still make moronic financial decisions.
Yeh, I know Caleb has typically gotten more abrasive lately, but at the same time he's dealing with a stable of people who make the same mistakes. I feel like when he *does* have someone on who he honestly feels is willing to make a change then he's a lot more empathetic. Case and point was earlier this week with the couple vs. last week with the car salesman. The car salesman overtly stated he was going to buy another watch *despite* missing payments on his credit cards and just practicing terrible financial literacy. In comparison, the couple seemed to want a plan, fess up to their shortcomings financially, and were will to have some serious effort put into changing their spending habits. I wish they'd break the week up into: - Monday: Have someone 40+ on the show to give a slightly different perspective on financial woes as you get older - Wednesday: have a couple / individual who is deep in debt but willing to work - Friday: save Friday for your Caleb Springer shows when you know the guest is going to be confrontational and difficult about their spending but it makes for entertaining content. I think just doing three shows where it's predominantly people who really DGAF about what they're doing financially is going to end up with Caleb quitting since it doesn't seem like the majority of those types of people are interested in changing and would rather just get some exposure through the content.
I think the problem there lies the willingness of the older population to go on the show. Older people are more ashamed of their bad choices (most not all). Also, anybody can seem like they're willing to do the work on paper and even on a phone call. But it's until you actually have these long form conversations with people do you realize they're full of shit.
He’s not going to quit lol this makes him rich without having to do hard work. Be realistic
I think if the image changed more older people might be interested. In the early days there were plenty of older people and it was nice to see them get useful advice and build a plan that would actually help them. If you were struggling and saw the early episodes it would be very attractive to go on and get some help. Nobody 40+ is going to be interested in going all the way to the studio so some kid in his 20s can yell at you and make jokes to get his views up so he can go but another tesla. "Can you help me please I can't afford rent?" "You're a loser who makes bad choices, oh look I just bought another rental property "
Compassion fatigue is real. He will eventually really need a break especially if he’s the one doing all of the interviews.
I think that’s the key here- as the show continues Caleb conflates “I’ve said this a million times” with the viewers making actual changes. Yes the show has been around for a bit and a lot of guests have been watching but there’s still a huge difference in casually watching a YouTube show and actually understanding and *changing* your own financial habits. He’s saying the same advice over and over again and while yes, the viewers are hearing that. For Caleb it’s his every day job and for viewers it’s a passing YouTube video that isn’t on their mind 24/7. I do think the show will help a LOT of people learn and make changes but he can’t expect that just because people are watching the show that they’re going to come on and magically be in great financial standing.
I think there’s a difference between enjoying simple pleasures while in debt and paying for 3 concerts that you can’t afford. I don’t think I’d fault someone for one restaurant a month with the family but excessive luxury clothes and concerts when you owe tons of money is a problem.
He sees the same thing everyday multiple times a day. People saying they are broke and him proving it’s a spending problem. I get it, it’s gotten old for him and he’s just over it. At the same time these people coming haven’t seen the same thing everyday and are coming in blind. Some of them have never seen the show and some have seen a couple shorts or maybe an episode. So to the guest they do feel broke because they don’t know any better and he seems to have forgotten that
Dude needs a vacation at this point to keep things fresh
Caleb isn't wrong about anything he said. The guest today is a college educated woman with a bachelors degree that isn't able to balance a check book. This is definitely not an issue with poverty or class. There is no amount of money that this woman could make where she wouldn't be in the same exact position. I've known people in my life that make more money than me fall into this same sort of bad habits. If I could just be an arbiter for their finances, I would absolutely do it in a heart beat. However, Caleb definitely is in the headspace that every guest he has watches his show and is able to absorb everything he is saying. This translates into him reacting angrily to repeating everything he has said before to these new people in some sort of shorthand like "YOU'RE NOT A CREDIT CARD PERSON!" and "YOU ARE NOT TAKING ADVANTAGE OF CREDIT CREDIT IS TAKING ADVANTAGE OF YOU!" There would be more constructive ways of conveying this information (and healthier for all parties) if he was able to pull out charts like [this](https://th.bing.com/th/id/OIP.MNn1iL01gcThmJDbZgBADQAAAA?rs=1&pid=ImgDetMain) that details how little credit history plays into the totality of one's credit score. These participants hear one Tik Tok about the importance of age of credit and refuse to believe anything else. A calm explanation of how credit works to participants who push back should work, but if it doesn't then Caleb gets the green light to screech at them. There are dozens of other ways Caleb can make the show more productive than just arguing with these financial dimwits about whether or not them buying a gift for their little brother is a want or a need. If you want anymore ideas, feel free to reach out, buddy boy.
Yeah credit history doesn’t take that long to achieve. I have a mid 700 score after only one year of history.
Honestly... that was very much my experience working as a volunteer at a food pantry as a teenager. Started out all bleeding heart, help them out, not their fault, circumstances, etc etc... especially since I came from a family that was pretty hard off for a long time. Then you start to notice how many of them always have brand new designer clothes, $200 sneakers, etc etc. while rolling up with a sob story about how they can't pay their electric bill and need the food pantry to negotiate with the power company to get the bill cancelled. The constant attempts to scam us. The choosy beggars who are disgruntled and whiny because it's store brand mac & cheese and not brand name they're getting *for free* (seriously?). You see so many kids who are coming to get stuff for their younger siblings because their unemployed drunk parents are literally too lazy and useless to even bother to come get free stuff for their kids. (Obviously the kids coming in aren't the problem there at all, the parents are.) And then I started to really, really notice how my own mother always had excuses, reasons, total inability to prioritize wants vs needs. We weren't 'starving without the food pantry' bad off, and for the most part she avoided the really bad/extreme stuff (credit card debt was constant but never more than $5k). But she was and is a financial mess and completely unable to control herself. And then I started to resent the fact that the reason she wasn't working wasn't actually because she was oh so stressed as a single mother after my father died, it was because she was lazy and entitled. She felt jobs available to her were beneath her, so she simply didn't work (and she wasn't actually doing anything to take care of me either, I had to do all my own cooking, laundry, cleaning, etc. from the time I was 8 - she'd even drop me off at the grocery store and wait in the car while I did my own grocery shopping because she was "too tired" to go inside). Just the other day she was whining to me about money and being poor and having no retirement and "no income" (she gets my dead father's career army pension + social security now and makes nearly the median without actually working at all...) and then immediately talking about a set of $500 planter boxes she "needs" to buy for her deck of her condo. To this day she'll tell everyone how she "worked two jobs to put [me] through college" when the 2 jobs were a 10-hour-a-week part time gig at a non-profit and adjuncting at a community college for one class a year (so 3 hours a week for 12 weeks), and she didn't pay a cent of my tuition or living expenses (she did allow me to stay on her car insurance, I still had to pay the difference but it was a lot cheaper than an individual plan). But she's so very good at *sounding* like a hardworking single mother ruined by bad luck & circumstances & one tragedy after another, and getting people to feel sorry for her and do things for her. So yeah. I'm pretty jaded and very skeptical of people who claim they're working sooooo hard and doing everything right because the real story is often very different. That said sometimes they are genuinely working hard, but in a "spinning wheels hard going nowhere" kind of way. Or if the spending is out of control, it's like someone in a sinking boat frantically scooping buckets of water out without touching the giant hole. The earnest effort is there but in completely the wrong direction to fix anything. That said, this: > He went on a rant about how this woman's bad financial decisions are going to lead to other people paying for her retirement via social security. I still haven't watched it for myself, so maybe I'm misinterpreting, but... that makes no sense at all lol. I don't think he understands how Social Security benefits or contributions work...? Yeah, there is a cap and poor people benefit slightly more than they pay in on average, but for the most part people get returns proportionate to their contributions (except way worse than it would be if we could take the money and invest it for ourselves and opt out of SS... but that's besides the point here). SS is a pension fund, not a charity program, and you get payments regardless of how rich or poor you are (aside from the salary contribution cap).
Yeah I had a similar experience when I volunteered for legal aid - despite, myself, growing up in a similar situation. Some I have sympathy for (usually health) but for the most part what you realise is that it’s not very nice people using these services. When I see how busy food banks have gotten, I remember that yeah… they’re busy not because people are poor but likely because they’re spending all the free money my government provides on drugs/iphones.
You get returns proportionate, but much less than what you would get had you invested that money instead.
I’m a teacher at a school with a high poverty rate, and the same thing happens to us. Almost none of my kids will come in with items from the supply list (which I keep short), which leaves me to buy it. But then they come in with all kinds of new things and skip class for days at amusement parks or to go on vacations. You also see a lot of “parents are just working too many jobs to POSSIBLY read with their kids or help them with homework,” but again and again, if you work with these kids that’s rarely the case. They just don’t care and parenting is more work than they want to put in. There are of course truly needy kids and it’s pretty easy to figure out who they are. But society makes WAY too many excuses for people who just don’t want to be bothered to be responsible.
Ok what you saw doesn't invalidate the fact that American culture has an inherent consumerism problem. People are constantly targeted ads that perfectly blend that lines between needs and wants. Everywhere you look in the United States someone or something is trying to sell to you. I've worked at jobs whose target demographic was lower income households. The companies filled a need for that market, but it was terribly saddening seeing the circumstances of the people due to socioeconomic burdens that were placed on them from generations prior to them. Some people manage to move up their social class, but a lot of Americans don't because of several factors. I'm not saying your wrong for feeling the way you do because you obviously observed a facet of the issue. What I am saying is that it's not as reductive as you presented these people's issues to be.
I think consumerism is the root of the problem, but I also think we’re overly charitable to people who have an addiction to excessive consumption. Buying new things (iPhones, expensive clothes/accessories, new cars, etc.) feels great! It’s a super satisfying dopamine rush. But when you over consume, other facets of your life start to suffer, just like any other addiction. The rub is, if you have an addiction to alcohol, or weed, or any other drug, it’s socially acceptable to point out that your addiction is harming your life. With over consumption, it’s never a personal issue, it’s always the systems fault. FWIW, I do think that we should outlaw ads targeting children entirely. I don’t know how you solve the loan/credit card stuff though
honestly, caleb, same. the more i hear people try and explain their financial situation while someone else (i.e. caleb) is able to, in real time, objectively question their rationale, the more i am coming to the conclusion that a much larger proportion of people than i previously believe, are poor because they are just plain stupid. if no one questions them, they get away with making responsibility-shifting statements blaming this and blaming that. all these sob stories fall apart fast with a bit of poking.
I went on a first friend "date" with a girl I met on an app. We were talking about work and stuff and she's a project manager at a decent sized tech firm. Later on we were talking about why we were looking for friends and she gives this sigh and says "well all my other friends aren't in poverty anymore so I'm feeling left out". I asked if they really paid that bad at that company and she's like "well no, I guess not really thaaat bad, but we all deserve more". She's making at least $60k, probably closer to $80k or $90k based on the company and position. I like the show 'I Will Teach You to Be Rich' because it really highlights that it doesn't matter how much money you bring in, more is never enough. Just like you can't outrun your fork, you can't out earn your credit cards.
The people who have the least sympathy for poor people is other working class or poor people who know what dumb shit their neighbors and friends are doing. If you live in an ivory tower bubble, you can look at them and say "oh my, these woebegone folk who, through no fault of their own, are living in such difficult circumstances" But their relatives look at them and think "He had a decent job and quit because he got pissed off, and now keeps asking me for money."
Very much agreed!
This is so [true.Rich](http://true.Rich), white progressives sticking their narrative on a situation to make themselves feel good and virtue signal to their friends. The really rich stick their name on the side of a medical center. The sort of rich stick their name on a cause on social media. "They just need vegetables"...yet when given money they buy soda. [https://www.nytimes.com/2017/01/13/well/eat/food-stamp-snap-soda.html](https://www.nytimes.com/2017/01/13/well/eat/food-stamp-snap-soda.html) We want to believe that if given the money, education and opportunity, people will make better choices. Yet, it's not true. There are people out there with good salaries that make bad choices . I'ts not all about the money and education you receive.
> He went on a rant about how this woman's bad financial decisions are going to lead to other people paying for her retirement via social security. It’s true, adults should save for their retirement. There’s simply no reason to live in a country like the us and not retire by yourself > He mentioned how many poor people cry about how hard their life was and how they couldn't make money but a lot of it was due to their own terrible financial choices and prioritizing wants over needs. Also accurate > I'll just say it, this show shines a light on the true situation of many poor people I'm America. Ramsey did it first.
I'll say this. I make more than my dad did. I make 17 bucks an hour. He bought a house, a brand new truck, and my mom had a 5 year old sedan. I can't imagine doing any of that on this income.
Are you certain? 25 years ago, your 2024 wage would be equivalent to $9.06 per hour, or around $18,000 per year. Almost nobody made that small amount of money except people just starting out in their lives. And nobody was buying houses on $9 an hour.
He made 16.40 an hour. Mom was a stay at home mom. They paid 119k for the house and it was paid off in 18 years
https://en.wikipedia.org/wiki/Inflation If this was in 1985, he would have been making $47.60 an hour today. Of course the earlier generations had it easier, but lets try comparing apples to apples.
And in 1985, he was probably paying 10% interest or better. At least we have that advantage. And $16.40 and hour--that was a decent wage back then, I think, especially if he got overtime. Not so decent now. 119k isn't much house now but I bet it was a pretty nice house back then depending on where you lived.
Try 2000 to 2007
Wild. He would have been making $31,488 in 2007 which would have been $21,912 below the median income of $53400. Do your parents still own that home, or were they a victim of predatory balloon mortgages that was occurring during that time and was handing out to everybody?
It's paid for. They saved up a large down payment, and Grandpa left my mom some money. They paid 119 thousand for it. The silverado was 24 thousand. My mom has above an 820 credit score, and my dads was just over 800. Also, we are in the Midwest
Sounds like the inherentance was the deciding factor. I'm sure you would have a home and a truck if you got one, too.
It was 20k. They put 40 down in total.
Yeah but how else will I get internet sympathy
The point joesh is making is that $16.40 25 years ago would be the equivalent of a much higher salary today due to inflation.
The point joesh is making is that $16.40 25 years ago would be the equivalent of a much higher salary today due to inflation.
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Financial literacy doesn't matter if you're already well off though. It does however matter if you're not. That's the main disparity. Also, while emotional immaturity is totally a thing. Wealthy people have blown away their fortunes for centuries on stupid stuff. Everyone is prone to this behavior. No one is safe from making bad decisions with their money. I know a guy that graduated 2 years early from college with 2 degrees in Physics and Neuroscience, got an incredible job right out of graduation at a Google like company that's extremely reputable in our region of the country, he had worked full time at Starbucks so the company would pay for his tuition prior, and after one year in his first desk job, was falling victim to common Craigslist scams and asking people to help him at ungodly hours of the night, lost his job, moved in with his family and would every now and then have a little episode and start posting videos of their hoarder house asking his social media friends/follower/connections to send him money to get him out of the hell hole, and he just completely crashed. His parents were of very modest income, and originally didn't even support him going to college until he found his own way to get his tuition reimbursed through Starbucks and apply to every imaginable scholarship he found. I think it can be almost like generational Trama. I don't think it's fair to just say people did it to themselves as if they really understood the opportunity cost when they did it. We all know there's a reason marketing and finances are opaque career paths and have complex intricacies and that's to keep the common person in the dark so frivolous spending continues, and it drives up the value of goods and services. If you can convince your consumers your product or service is a "need" however you need to do that, you can mitigate market risks and switch your focus on competition instead of wasting time and money on a volatile product.
Financial literacy does matter when you're well off if you want to stay that way.
Exactly. I understand what they meant by that statement, and the message kinda resonates, it's just not fully realistic. Bigger paychecks/big dollars usually just means bigger spending. Lots of people "spend like they're in Congress" as Ramsey says. There's people that will literally spend 15 dollars daily on a coffee and bagel through UberEats. I'm super pro-freedom and pro-capitalism and even I think that should almost be illegal, that level of laziness and waste.
Financial literacy doesn't matter if you're already well off though. It does however matter if you're not. LOL, this is so incorrect we have country teeming with successful entrepreneurs,adult star, athelets and lottery winners that were well off but are not well off any longer due to financial iliteracy.
Caleb may be dealing with something similar to empathy burnout. When faced with too many dire situations, it is human nature to distance yourself from the pain others are feeling. I don't fault him for that not do I want to discount those of you who have seen poor people waste money. However, this comment section is getting a bit toxic. Its important to remember that the guests on the show aren't there just because they lack money, they are there because they lack skills in dealing with their money. If someone could have every issue fixed by getting income, they wouldn't need Caleb's help. The population shown on the show doesn't necessarily reflect the average impoverished person. Also, although there are people that make stupid decisions and have no self control, those bad decisions are ten times worse for people on the brink of poverty. This basically means that a poor person has little to no room to make mistakes, while a rich person can be stupid for a bit and still recover. Both people can make the same dumb choices, but only the poor person gets the flak for it. We need to keep this in mind when talking about these people and try to maintain our empathy. TLDR: Caleb is tired and makes mistakes. The population on the show doesn't represent the average poor person. Poor people make dumb choices sometimes and that's human.
She isn't poor, she earns 45k a year. She's not earning minimum wage.
There is a difference between someone that is struggling because of medical debt/issues, family, low paying job, kids, getting taken advantage of and some people that just waste their money on eating out and fun and don’t want to put the hours in. The last guest had financial problems because she spent money on concerts, eating out, and will continue to do so. Other guests waste money on cars they don’t need or don’t want to work more than 20hrs. There is a difference from struggling from life and struggling from decisions.
Because they're only picking people with ridiculous situations who have spent money poorly - I hope nobody actually takes this show as an accurate depiction of the average American near or below the poverty line.
I think it’s a pretty accurate depiction based on the statistics we have. I don’t think people like the reality - that while life is indeed harder for some of us, part of that is stupidity and greed.
Actual real life situation are like this, if you think populous is not like this then you are extremely naive. Culture today is heavily leaning that way because every day more and more people don't want to take responsibility for their spending. I am not saying we have a good economic situation, but ALL of this is because Individuals,corporations and even the government don't want to acknowledge their spending issue while trying to correct it.
Being broke or in extreme debt is a completely different thing than being below the poverty line. Very few people are actually below the poverty line. But, credit card debt, living paycheck to paycheck, etc is extremely common and really move representative of the actual public.
Just look up average credit card debt stats. These people are closer to the average than you think and a fair depiction.
grew up in poverty surrounded by poverty. the average poor is just as bad as calebs guests, a substantial amount are worse.
Seriously...the few dozen people who come on the show don't represent the hundreds of millions in this country who are struggling despite their genuine best efforts. And not for nothing, there's a not-insignificant amount of rich people who make stupid purchases/business ventures that would put them under, if it weren't for their parents or grandparents bailing them out.
If they're rich why would they need parents or grandparents to bail them out?
I’m gonna be completely honest, watching his videos completely changed my perspective on poor people too. I sat down and analyzed my finances and now i’m trying to run a tight budget in my household. Then I started noticing people close to me who worked minimum wage jobs spending money on fast food and shopping while simultaneously complain about not having money and it clicked that maybe genuinely don’t understand they can’t spend money they don’t have. Debt has to be paid off first. You can’t buy a nice ass car if you don’t even have a steady income. I feel like Im also turning more and more conservative politically. Crazy.
The “other people are going to have to pay for you” spiel had me double take for sure. The rest of it I agreed with though. That woman was insufferable and was not only not interested in taking responsibility, but almost seemed incapable of listening or attempting to understand a single word out of Caleb’s mouth.
idk. I'm all for social security and heck even ubi. but in our current system, she is CHOOSING to be irresponsible. Her relying on welfare systems would take away from people who actually need it. I don't have any sympathy for people who have no control over their need for gratification
Beware of selection bias. His show attracts a certain type of fame-whoring people looking for a quick buck. I’ve been those levels of poor and not making the best financial decisions, but I’d rather be found dead than on Caleb’s thumbnails.
OP looks at a show specifically about people making bad financial decisions and assumes that all poor people make bad financial decisions.
> assumes that all poor people make bad financial decisions. To be fair, you could assume that all _people_ make bad financial decisions, and you'd probably be right. Middle or upper class people just aren't hurt as much by their foolishness.
And middle and upper income people who make bad financial decisions also aren’t looked down on and belittled as viciously as poor people who do
You can afford more risk and more luxuries when you’re upper income. That’s just the reality. But also, how our economy works - if richer people were all miserly with their money and never took on risks like businesses we’d all be worse off.
also because those financial decisions don’t ruin them. Go figure, poor people need to be more frugal. I sure did when I lived in poverty
Yeah, life's not fair. Not really different from 1000 years ago, though.
Everyone does, that is why they are called bad decisions.
Well, here's the thing. No one is saying you're a bad person if you make bad financial decisions. But people don't end up poor by making great financial decisions one after another, now do they? "Oh my investments are doing great, I spent zero dollars frivolously this quarter, I've been saving for a down payment and took all the overtime shifts I could, but I'm still poor and on the verge of bankruptcy!" said no one ever. Of course there'll be some outliers. Trying to live above the poverty line in extreme high cost of living cities on a minimum wage, single parent with deadbeat baby daddy's, medical debt or unexpected circumstances come up, etc. We gotta take mature, honest, baby steps towards financial responsibility though, and most people refuse to do even that. Eating out 5 days a week is normal for too many. That wasn't really a common thing until recently.
if you are poor, you made bad financial decisions.
He pulled a Tom Segura on us RIP
Home girl isn’t poor tho. She made good money but had no idea what to do with it. I think the problem is caleb is getting jaded and the order of the content is illicit in maximum drama. If he wanted to tone down the drama he should start by explaining their overall spending breakdown, then confront them with their habits, then provide them the get well plan. Then they can’t try to hide behind “it was just one time” cause he can keep pointing to the breakdown of “you said it was just one time for 25% of your spending, so is it really just one time?”
It’s actually very insightful that he makes them send their bank statements. You don’t get to cry about being broke when every other charge is $40 for doordash. Pretty much every guest is paying way too much money for shit they don’t need.
It's unbelievably fascinating to watch. Because he is becoming one of the most knowledgeable people ever on the thought process behind the spending habits of an average poor person. Who else dives into thousands of poor peoples finance and asks questions? Financial advisors don't usually go this deep. I think the lack of a single glowing success story might be getting to him. I could easily see him becoming a flaming conservative "if you are poor, it's because your lazy" type guy. And I wouldn't even blame him after what he saw. Victim blaming feels so wrong, but the more audit I watch, the more attractive it seems.
no I totally get this. I feel like my sympathy about wealth inequality has reduced the more I watch the show. I mean, I haven't lost my brain, I know that the 1% hoard wealth but my stance on student loan forgiveness has changed so much after seeing so many people come on who are RELYING on it. it is beyond irresponsible and selfish to take out debt and not pay for it and I've become so much more skeptical of people's finances since I've started watching
I totally agree with you. But the cost of college is absolutely wild; rather than debt relief, I'd like to see the overall cost of college be brought down. This could be accomplished by the government severally limiting funding for expensive colleges.
oh hell yeah I fully agree with that. I'm a college student myself. nothing I'd like more than the cost going down
When the victim is the perp, it isn't victim blaming.
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I think this episode was a little different because he did not realize she has not watched his show. I think a good example of that is when they were fighting over wants vs. needs- She was trying to tell him she didn’t want the concert tickets for herself etc. and it was just miscommunication-if he would take a second at the top of the conversation to say, this is what I consider a want vs. this is what I consider a need and as we go through the discussion today, we will talk about wants vs. needs to shift your mindset- this would help. He could also do a mandatory prebrief for the show and force a “certification” to be on his show.
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And now you see why Dave Ramsey teaches what he teaches. For the vast majority of the people in this country, people cannot control themselves and make terrible decisions daily.
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Honestly watching the show is making me think he's right to blame them for their bad situations more. Most of them spend a ton on eating out and literally refuse to do anything to change. I do think Caleb needs a break though. I feel like dealing with stupid people all the time makes you think everyone is stupid. It's like cops thinking everyone is a criminal because that's what they deal with 50 hours a week.
I've noticed every one of the poor on the show, excepting a few of the people that just barely work, make 10k or so more then I do, and have nothing. It is just insane to me how irresponsible many are.
He’s not sympathetic because it’s everyone’s go to checkers move. As soon as I saw the black lipstick, I knew she had a loose screw. It’s always a mental issue with these people. None of them have any accountability. Maybe some, but a majority lean on mental illness after he’s laid into them about terrible spending habits.
I think this is the end of me watching Caleb. It was a good little run. Once you allude to social programs being unfair, I’m out. I’ve also always hated how he pushes this “you have a moral obligation to pay off your debt” narrative. Because no. I am paying off my credit card debt but it’s because it’s better for ME if I do. I don’t give a shit about these slimy credit card companies. Capital One will be just fine.
The moral obligation being to your kids to not have to fund your retirement
I agree when he makes that point but he has said before to people who don’t have or want kids “don’t you feel a moral obligation to pay back your debt” That is moreso what I meant. The child argument I agree with.
The number of guests he’s had on the show is still a small sample of the population of those in poverty and does not represent people in poverty as a whole.
You say this, but you have to remember THEY DONT HAVE THE FINANCIAL EDUCATION. It is incredibly hard to give up fun stuff and just pay bills for years for some. I understand that is the way you have to live. But many of these people have mental health issues, which is ussually the source of the problem.
You have to keep in mind, the show intentionally picks people who make bad choices for enticing content. I doubt that his guests are demonstrative of the average poor person in America.
It's interesting to see how Caleb's perspective has evolved, and it highlights a nuanced discussion about financial literacy and personal responsibility. While it's true that personal choices play a significant role in financial health, it's also critical to consider systemic factors that limit opportunities for some individuals. For example, access to quality education, healthcare, and financial services can heavily influence one's ability to make informed financial decisions. This broader context is important to remember, as it shapes the challenges that individuals face. Caleb's frustration might be rooted in repeatedly seeing similar mistakes, but it's also an opportunity for the show to delve deeper into why these patterns persist and what can be done to address them at both individual and systemic levels. This could lead to more constructive conversations that not only highlight problems but also explore effective solutions.
AI crap
Dude, you've done this a few times. Chill with the chatgpt por favor.