Make sure you stay till the end for a video follow up from Jessica ! Trust me it’s worth it 😁 Thanks again for trusting me with your time, I hope you liked it
Awesome video! If you need someone to make the thumbnails for you or even edit videos for you. I'm your girl! Let me know. I would love to work for you.
Yess! I used to love Caleb, I subscribed to him when he was at 1.2k subscribers. I hate that he yells all the time now and how ridiculous the thumbnails have gotten. The guests are also absurd
Agree. He gets a bit much and he takes it personally...not a mature trait. This is a refreshing difference and probably more beneficial to the people being interviewed
I still enjoy watching Caleb but I feel your style is way more mature and helpful. I think Caleb has turned more to views and clickbait and has played into a lot of his guests toxic behaviors for the sake of a “show.”
Hey! Been there! I traveled the world with my Navy pilot husband while he built his career. One day, after 12 years he left me for his mistress. I was homeless. He drained the bank account. I lived in an RV wirh 5 animals. I started over. It took me 3 years to get on my feet. I'm 39 now and I'm making it.
Good for you! It’s difficult to be married to a military spouse with all the moves involved. There should be some sort of divorce compensation for following a spouse (like something formally arranged by the military)
Thats not even remotely the same thing. She had a husband providing for her and no children as a stay at home wife and instead of going to therapy and working on herself, she got worse and ruined the marriage. She even said she left her husband. Very different situations
@@picardy7488 There is divorce compensation. its called a percentage (usually 50) of their retirement for life. So in most cases its worth over 1 million dollars which is still payable even if the wife cheats or otherwise dishonors the marriage. Service members get raked over the coals in divorces daily so please stop with the compensation garbage
She is articulate and self aware. I love that she is aware of her limiting beliefs and low self esteem bc now she can work on that. It’s very sad to be your own worst enemy. I’ve been there.
You’re as delusional as she is. She’s full of excuses, lazy, loathing in self pity and blaming everyone else for her shortcomings, etc. she’s uneducated which doesn’t help.
I hope the women who are gun ho about being a traditional wives get to watch this video. Unfortunately love can be the strongest or the most fragile bond that exists, because it is all about freewill. Ladies make your own even if it's a part-time or a small side hustle and save a small cushion for yourselves. Its not being conniving, its preventing mistreatment and being destitute for a plate of food and a place to stay.
Did you even hear her story... this is a warning to all men to not get married. She could have got half all of his stuff because she was having "mental issues" Stay at home wife no kids provided for and she left because "I'm sad"
I have watched so many financial youtubers but your advices and the way you approach these guests I might say is the best I’ve seen. Keep up the good work!
I think Jessica is going to be fine with her good attitude, common sense, and obvious sincerity. I can relate so much to her story and I love how forthright she is about her mental struggles. I love the follow-up. It's a great addition to your show, Romain.
Thank you for the feedback, we always try to have a follow up at the end of each finance action. Most often it is by text but we are looking to increase the amount of follow ups we have in video :)
I’m stumbled on this and feel so grateful for my life as I went through a divorce and my hubs was making millions at that time and asked me to stay home but I didn’t as I have to do something. Needlessly to say we got divorced and I got absolutely nothing after 17years of marriage. He violated all agreements and I didn’t have enough money to go to court to fight. It’s ok. Today I make more than him! Stay in school people and don’t count on anybody.
Great going staying focused and succeeding. I too went through divorce and got through it smelling like roses. 🌹 I’m grateful for my life and I love hearing other successes.
I went through same thing. Husband had millions and cheated and very very abusive. Got out of divorce with no more than a notary bill and court fees as I just left to save my life. Got ZERO and he even stole things that were mine before we got married!!!!! It was a horror story. Was a hard road to normalcy in life and work. This is totally a crime. But you and I were married to text book cases of sociopaths - another words, a couple of serial killers!!
This is a perfect example of guest who really need and will actually listen to your advise because they hit the lowest point of their life. Great advices not just from financial point of view and you are coaching her as well to be a better person. Really glad at the end to see how she's starting to turning her life around based on your suggestions...have to be an awesome feeling!
That family friend of hers is really a God send. So many people could be off the street if they had just one person in their life who would take them in like this. I know it's more complicated especially if someone is struggling with drugs but that friend is amazing. And good on Jessica for following through. Wish her the best.
I'm so happy to hear the progress she made at the end. It's hard to see light at the end of the tunnel sometimes when you're at rock bottom, but you gave her guidance and hope. Thanks for sharing!
When you get to a certain age you look back and say what the heck was holding me back. Dwelling on things never helps. Best to just go out there and get it.
I completely understand what this woman went through. At 37 I was a stay at home mom (for the better part of ten years) and didn't have money of my own. My husband went to prison and I was left with nothing but his last paycheck, a mountain of debt and two kids to raise by myself. Fortunately my parents took us all in. It took time to get back on my feet because I was so depressed. I couldn't keep a job at first but eventually found one through an employment agency that I'm still at now. This was the toughest thing I ever had to go through but in a little more than two years I got a divorce, my own apartment, paid off more than half my debt and even have a little savings built up. If you're in what feels like an impossible situation, just know that it does get better, even if it takes months or years.
I got divorced July 2019. I ended up enlisting into the Army for the second time. I had to do what I had to do. Jessica is a tough cookie & she did what it took to get through difficult times.
Yay!! I love the update at the end! She’s got this and will be more than fine. Your channel is changing lives for the better, Romain! She looked so much happier in the update 😊❤
I was also in a car accident in Vegas that wasn't my fault. The guy had the bare minimum liability insurance (30k). I've been badly injured for life. Couldn't work for many years, went through my savings, and I also had to "start over" at close to 38 once I was barely healthy enough to work again. I got my MBA during my time away from work (homework laying down). 6 years later, I've saved quite a bit and should be financially independent in 2 years.
I'm really sorry to hear about the at-fault party unable to make you whole. I'd just add that since the other party was fully covered with insurance (at $30k), the lesson for others to learn is to purchase disability and health insurance because the other party may only pay you $30k. I have told my young adult children to purchase disability insurance for this exact scenario. They rent and only just started their career so they also only carry the minimum auto insurance because their net worth is less than $20k. I assume most people that drive cars are renters are judgement proof.
My wife is set. Im 25 years older than her and i hold a portfolio of rentals. Ive already transferred a few properties to her and im trying to get her to go finish up her degree in case something happens to me. Im making it where she and the boys are set should something bad happen to me. I wont hurt my family for shit.
Rent free for two years from a family friend and no utilities, making $1300 and getting food stamps is wild. She needed to go to court with a pro bono attorney to fight for her rights from the divorce. Men or anyone in power who leave their significant other homeless and unemployed are beyond callous and only provide support when forced to by law. A proper division of property, assets and debts, and give. Financial support until she gets back on her feet. That’s so unrighteous, I feel for her 😢
My parents have been married over 40 years and long ago my mom drilled into me that you can love a man but NEVER give up your career for one. She retired after he did even
I'm so happy that Jessica got a better job at the end! Proud of her. But her story also sadly makes me think that even in a marriage, it's a good idea to have a side income and keep saving in case these kinds of situations like divorce comes up. Plus, I think it's okay to invest in education as long as you know you will eventually get a better paying job as you get more experience as the years go by. Learned a lot from this video.
100%. I'm married with two kids and I have a divorce fund that hubby knows about 😂 I also have been studying the entire time of being a sahm. So I haven't completely slowed down my learning/career. It's realistic to think about if spouse dies or loses work, or injuries or divorce. I'm often ranting to other mums about it.
@@tessajones9393I know 2 women whose husbands walked in and said they didn’t want to be married anymore. That was in 2023. One couple has been married 20 years and the other couple had been married 35 years. Of course the wife that had been married 35 years had a harder time with it.
@@sylviaj270If I marry a woman that wants to be a SAHM,I would %100 make sure she can handle herself if for some reason we are not together or something happens to me.
i appreciate this guy doing what he's doing..i think his intent is earnest ... his message to these "clients" is positive, personal, and filled with hope... and if they actually develop the self discipline and implement the advice he gives, then they really will be successful... it's all about personal responsibility... keep spreading that message... hope this channel grows
Agreed. I loved Caleb Hammer contents but it can be triggering for some people. What Romaine doing is helpful for sensitive individuals. Thank you for your work
@@SurpriseMeJT "come on, man"... are you old joe ?... and Jerry was pretty cool, but in a different way than this guy... this cat, Romain, isn't Jerry... watch a couple of his videos and you'll notice that Romain isn't bout confrontation, he's about collaboration and he isn't a Dave (cause Dave does have the tendency to put down and shade his callers) and he isn't a doctor Phil (cause Phil is bout selling his books and other "programs")... this cat, Romain, has everyday persons with serious financial problems, he breaks down the facts, then develops a plan while encouraging some self discipline and some hope and then does a follow up when he can... that's a pretty cool thing to do... wish everyone kinda learns some better habits from his videos (i know that i made some of the same mistakes as some of his clients so i know that everyone is capable of some success )
I feel like she is is so much more likely to succeed than most on the channel because her behavior with money is already good. She just wasn’t making much money and was in job analysis paralysis, and licking her wounds from her divorce or dealing with Covid. Now that she has a better salary and a plan, she’ll probably do great. 👍 I was also very impressed and jealous of her ability to lose so much weight. That’s shows an ability to be correct past behavior and become disciplined which is good quality to have for finances as well. Hopefully she can chip-in a bit with her friend on housing costs now that she has a bit more money coming in.
Solid assessment - I very much agree with! I think all Jessica needed was a boost and someone who believes in her abilities to make it on her own. She already had the right behaviors, now it’s about bringing everything together 👌
Really happy this woman beat the odds and got better again mentally and physically and also: got into the career game again. Amazing family friend also. I am truly happy she is better. She'll be fine.
I too went through a divorce around the same time. I had to pay the ex some entitlement from the house but I got back on track, stayed focused and paid off my house in 2 years. I have always stayed away from credit cards and debt. Always take care of yourself first. ❤ I love the compassion and respect you show your guest Romain. You are a gem 💎
Thanks for giving her that last push she needed! You talked about wasted money. For me the turning point was looking at tax time how much I made and thinking where did the money go and I had very few assets to show for all that money. I put a note pad in my pocket for a month and I started writing down everything I would buy. I found in just one week it was things like junk soda pop, candy bars and fast food. The cost isn't just the soda but I spent over the years to fix the damage to my teeth $10k! Listen to him! I took the money I spent on junk food and invested it into my 401k and I retired early at 62! One of the best RU-vid videos and I think when people find you should be growing fast!
The biggest lesson in life is that you're responsible for yourself regardless if you're married or partnered up with someone. Anything can change at a moments notice, whether it's a job or depending on someone financially It’s going to be a rude awaking when you don't have anything you've created to fall back on.....
Spot on. Be responsible for yourself and eachother as a partnership but each have a separate extra emergency fund for the unexpected. Goals nice if you each and together have an emergency fund for the emergency fund in case you ever have to use the fund, especially for when we're older. It's a long road from beginning to end. Live, love, laugh, work and save. Even a little savings is alot. It grows in time. Improve and reasses throughout.-John's wife
You educate your clients, boost their self esteem and show them they can make positive change. Good for her for exceeding expectations and taking all advice to heart.
Just found your Chanel...at my 40s and had to begin life again from zero plus a child. I am trying to invest in my kid future... as a lot of the channels are for younger kids. Such relief seeing someone that I can relate too... plus you gave advice how to get out and make things better. I am subscribing for sure even I am not in USA. Thanks and thanks for being so kind.
I am so glad to hear that she is having such a positive outcome after the consultation. She is still very young and beautiful to bounce back into a life of balance and fulfillment. I wish her all the best. P.S. Thank you, Romain, for what you have done for me.
Pretty incredible how similar this is to Caleb Hammer's Financial Audit but with an obvious difference in tone, and cool things like the money case and the immediate follow up.
What a great follow-up at the end!!! I have high hopes for Jessica, and I hope that taking control of her finances gives her some more confidence. Romain, great job as always!
Absolutely loved this, Jessica you have come so far! You went through a really hard time and look what you did to come out the other end. You took care of your physical and mental health first, so important, and then you went and got advice to improve your finances. In my eyes you were already doing amazing because you lived so frugally and really you just had a problem with self esteem and self sabotage, which I can relate to for sure. Keep on being your amazing self and enjoy your life. You deserve it so much.
It's not late. I had nothing at 48 after my divorce 5 years ago. It doesn't take long to build assets if you are committed and motivation comes as you watch them grow
You go girl! Jessica, your transformation is nothing more than FANTASTIC. You believe in yourself, and it shows. I wish you every success. Cheering you on from Australia. To Romain, you provide sound advice and realistic, doable goals. Your help, encouragement and advice is changing lives. Keep up the good work.
I'm honestly just shocked that the divorce left her with nothing. That's usually not the case. And Idk how anyone who can claim they loved you at some point could allow you to be homeless and destitute. She said the divorce was a mutual decision.
@@ramblingmillennial1560 More common than it's spoken about. I was left with nothing but a young child to care for. He took it all and apparently had the influence to do so. Minimum wage no family.....he turned them on me....and this toddler. Alot of challenges but now my kid is an adult and I am still standing.
I like that you follow-up with your guest after every episode. The follow-up is what i look forward to watching. I am glad she got her finances back in order!!
I absolutely love the updates you put at the end of the videos! I would suggest you have the people back on the show after some time (like 9-12 months) and have another video of walking them through the next part of their financial journey. So in her case, maybe no collections or debt, but now finding out how much house she can afford, and what accounts she should open for retirement and so on. I think it would be really nice to see that progression!
I'm from Bulgaria same age as hers. Never understand how americans can live "blind" life, not getting backup, not having plan B and C. Maybe here in Eastern Europe we are learnt that in any time (as it happens 2008 and 2020-2021) something could crash and we need many backup plans....This lady seems really nice and I wish her all the best!!
Why the heck this very educational channel don't have a million subs yet? Jeez, people just loves watching garbage content instead of gold content such as this channel.
She has such a calming voice and presence. It would be great to see her make a RU-vid channel on workouts, meditation and ASMR. Wonderful lady! Super, Super inspirational.
I’m married , have 3 kids, home school, and work from home (as well as out of the home for some hours in the evening). I totally emphasize and admire women who are SAHM / Housewives. Personally , I have to work (intrinsically , and for my anxiety) . Not because we need to be a dual income household, but because I want to be self sufficient in the event something were to happen to my husband/marriage. It’s always my 2 cents that a house wide / SAHM get some income (whether that be working , or setting aside money that hubby give into a personal Roth IRA ).
For all of you blaming her for her mental health issues, you have no idea whether her husband was abusive or neglectful which lead to her depression. Research the Decentering Men Movement. There is a pipeline from trad wife to the food stamps office. A man gets paid for the work he does. A woman works for FREE at home and a man benefits from her emotional and physical labour so he can go out into the world and work to get PAID. The stay at home wife is the ONLY person who works multiple jobs for FREE for a lifetime with NO pension for protection in old age. When people talk about grandma's marriage lasting 50 years they aren't talking about how her husband left her with no option to leave.
Doesn't seem like his fault. She said at 2:39 that it was mutual, and if she knew COVID was coming, she more than likely would have stayed. He did nothing wrong. She mentioned at 9:45 that she had agoraphobia and she couldn't work, so the husband took care of her and worked and paid all the bills while she was at home. He never forced it on her. COVID also exacerbated her agoraphobia making it difficult for him, and he was most likely left to do everything on his own. Decentering men wasn't her issue. He was her lifeline and he was providing what she needed.
Hello Jessica. I picked one thing that I think might help. I understand not always being able to leave the house 'home' at will. Sometimes for weeks. But you have a skill that may not have occured to you yet. You are beautifully turned out. Aesthetics is evident. You don't sell and buy (swap) your clothes, paying nothing, without skill. You are a reseller ! One of the easiest ways to be an online seller (without paying for courses) is to use your good eye to recognise things of quality, buy..........and then resell. Try it with one item you already own. Trust me in that it is something that should cost you nothing to begin with, but might pique your interest and work for you. You would also be helping the planet by recycling. Bonne chance ! Helen x
Girl…. You’re very attractive and young. Get a quick class on bartending. I know a friend of mine that makes 85k from bartending and doesn’t even work at a high end restaurant /bar. Having no kids helps. You’re a catch. Don’t take life so seriously and enjoy the years we all have left.
There are many opportunities to make money, I think what Jessica really needed is to gain confidence and to know that she can make it on her own, and she is proving that !
I couldn't imagine trusting someone enough to "take care" of me or to even join my finances with him. My father is 92 and is still controlling my mom finacially.
Are you for real??!! Your father is still controlling your mother financially in their golden years?! 😲 Your last sentence of your comment made me cry. 😢
Romain. You’re doing such a fantastic job, educating so many people. You’re a ‘scary realist’ but in the most charming way. And you see right through any ‘head in the sand’ mentality. Well done.
You are compassionate and you attempt to find real solutions to people’s financial problems rather than being a preachy celebrity type of financial advisor. That’s what it’s all about to me. Great channel here.
No judgement towards this lovely lady. She's in a bad spot and has been for a bit. But people really should reconsider any educational endeavour that has the word "studies" in it.
Even as a senior married female, I have my own money. Now, I have my own SS, 403b accounts, IRAs. I didn’t always like my jobs, but ALWAYS had my own money.
Back in the 80s I read Kiplinger, Money magazines on the regular. I got my first credit card and used it to finance my first motorcycle. In a year my credit showed that I had paid each off each month. I also used my credit card for every little thing I could and paid it off each month. That is how I built credit. Return on investment is a very good point with many things, clothing, nails, courses, vehicles, marriages. How can she use those course investments? Nearly every Y needs coaches, nearly every airline needs customer service. More of us need to do that with our clothes, she is a rock star doing that. There are so many women who end up in poverty when a relationship ends for whatever reason.
Mental health issues are tough. I don’t know if she revealed whether she’s actively getting treatment for them, but this will be very important to help her get her back on track financially. A lot of people with untreated mental illness have difficulty managing their finances. Getting car insurance is important. Not only is it important for financial security, but it is ILLEGAL to drive without insurance in nearly all states. When you get pulled over, they check whether you are insured, and she could lose her license or get serious fines. If she gets into an accident and she has no insurance, she could possibly face jail time.
So, sometimes I’m grateful for my anxiety. I could never relax in a position being completely dependent on another person as an adult. Things would have to go PERFECTLY for the entire rest of my (our) life for that to turn out well.
