Mom Took Out Thousands Of Dollars Of Debt Under Their Name | Financial Audit

Подписаться 1,5 млн

Просмотров 241 тыс.

50% 1

▶The best budgeting program online, at the most affordable price: go.calebhammer...
▶My team and I will personally review your budget and put you on the right financial path going forward: go.calebhammer...
_______________________
▶Resources I use/would use (with discounts/sign-up bonuses):
1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: creator.sofi.c... *affiliate link
2) Start investing: Transfer to moomoo and receive up to $5,000 in Cash Rewards using my link Terms & Conditions Apply: j.us.moomoo.co...
-For the sign up bonus, Click this link to get up to 15 free stocks from moomoo U.S when you make a qualified deposit. Terms & Conditions Apply: j.moomoo.com/0...
3) Coursecareers: Get qualified for a better job and increase your income: coursecareers....
4) Mint Mobile: Cellphone bills are too expensive, use my link to find a plan starting as low as $15/month in just 15 minutes with my partner MintMobile: mintmobile.com...
5) Online security: Protect your online privacy and security NOW and for free by following my link Aura: aura.com/hammer
_______________________
▶Fun things:
1) Exclusive episodes, private Discord, BTS, and a special thank you: / calebhammer
2) Rules For Not Being A (bad word): www.calebhamme...
3) Merch: The most fun website: shop.calebhamm...
_______________________
▶My socials: linktr.ee/cale...
▶️ Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: calebhammer.com...
_______________________
▶Sponsorship and business inquiries: bunsiness@calebhammer.com
_______________________
These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________
▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.
▶Sponsorship and business inquiries: business@calebhammer.com

Опубликовано:

14 окт 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 1,2 тыс.

@TheRealMjb2k Год назад

That must have been hard to file fraud against her own mother but I am glad she did. Parents do NOT have the right to ruin their kids financial future because they are unable to get their shit together.

@genxx2724 Год назад

I doubt it was hard. Her mom had thrown her cat.

@TH0KH Год назад

It's actually so unethical that the government allows that. You can't get credit products until after 18 where i live

@ways5717 Год назад

@TH0KH which part was unethical?

@somerandomguywastaken Год назад

@@ways5717the fact that parents can take out thousands of loan in their children's names....while they're children. How on earth does a bank allow a child to have a credit card. That's the unethical part

@ways5717 Год назад

@somerandomguywastaken a okay gotcha. I just wanted to make sure because I was reading it like, "it's unethical to file identity theft if it's a family member". Gotcha I agree with you

@CaptainAppCrash Год назад

I like seeing an audit where it isn’t total panic mode. It’s nice to see Caleb a little more relaxed and help people that are doing the right things

@michaelmele3954 Год назад

This. Yes it's nice to see more average people, not absolute catastrophes.

@tiarebman8064 Год назад

I agree but unfortunately I think there are so many more people that are in that catastrophe position.

@richikraut9400 Год назад

Agreed. This is an actual financial audit. Usually, it's just a shit show of a situation.

@sydneyps Год назад

Honestly, a good bit of the earlier ones I've been watching have been pretty okay financially. Sure, the people had stupid debt or spending, but it was relatively not shit show bad. It was amazing compared to most, if not all, the people he's been interviewing the past few months. He just got them on the best path.

@evaguthridge2160 Год назад

Putting bills and cards in your kids names is wrong

@Ghost-yf2fh Год назад

She is one of the most financially stable people we’ve seen on this show. Also improving your credit over 300 points in 5 years takes an incredible effort super proud of her 👏👏

@Mdroudian Год назад

It takes that long?

@SpaceGhost92 Год назад

Bro I raised mine from sub-500 to 710-720 in a maybe two months…

@michaelb.8953 Год назад

I raised mine from 580 to 820 in about two years and it's not that difficult, but it takes diligence.

@TilleyYT Год назад

Thank you so much!! It's been hard but I'm very proud of how far I've come-- and I hope I keep going forward!

@genxx2724 Год назад

@@Mdroudian It’s like a GPA. Really fast and easy to damage it. Super difficult and slow to raise it.

@Clementine202 Год назад

She has to be one of the kindest and most genuine people you’ve had on the show.

@ewidontlikeyou Год назад

besideds the ''DID'' , sure.

@heimbiggysmallz Год назад

She’s so annoying and entitled / victim lol

@KS-cl8br Год назад

@@ewidontlikeyoubeing kind is obviously foreign to you do. uch. e. bag

@hightorychad4221 Год назад

@@TheIdealisticCynic Cuz it's not a real mental illness

@kaninramone6365 Год назад

@@ewidontlikeyoushe's getting therapy. Honestly who cares? Not Caleb. If my parents were hers, I'm pretty sure I'd disassociate too

@annle3470 Год назад

I normally don’t comment but I really like this guest. She is so brave for being so honest and open about her situation. She seems very genuine and open to change to improve her life. I wish her all the best in the future.

@TilleyYT Год назад

Thank you so much!

@sfowler1017 Год назад

I actually literally clapped when she said she'd raised her credit score from 320 to over 700. Good work, woman!!

@penitent2401 Год назад

Ok, parents opening credit cards and taking out loans under their kids name needs to be stopped. Banks and credit card companies needs to check the identities of people applying, only the person themselves should be able to take out loans under their name and no loans and debts should be issued to underage children.

@eliseg0001 Год назад

Seriously, how tf was her mother able to take out credit cards for a 10 year old!?? (8:09 if she’s 26 now, she would’ve been ~10 in 2007)

@RobGoldy Год назад

It is considered fraud if the child reports it. The problem is most people don't want their parents to end up in jail

@penitent2401 Год назад

@@RobGoldyyeah it is fraud, but the banks seems very happy to gloss over the identity checks that should be able to easily identify such, a quickest background check can find the child's age at least. They know the game and are happy to play along and give out those credit cards without the checks and count on the child not wanting to report their parents.

@haramsaddam238 Год назад

Defrauding their own children and putting the burden on their shoulders. Sickening

@pairofdragonflywings Год назад

Some savy parents open a credit card for their child to benefit the kid and their credit score in the future. But it should be required that the child is made aware and consents to opening each and every account under their name. edit: Well, I've gotten my information wrong. Thanks for the correction! Savy parents should totally add their children as authorized users on their credit cards. Companies that hand out debts should have a system that checks the age of the new account holder and ensures the person opening the account is the same as the person listed as the account holder. They can check that an SSN is valid - how difficult is it to check that the SSN is attached to an adult and not a child?

@skidiggydiggs4529 Год назад

Shoutout to Tilly for sharing her story and helping us learn with her finances. She's delightful, and I wish her the very best on her financial journey. Hoping you and David are able to build a great future together. You got this! ❤️

@TilleyYT Год назад

Thank you!

@bonnuitmonchere Год назад

Oh my god she is such a sweetheart. I am SO proud of her for getting herself and her kitty somewhere safe and striving to improve her life!! What a badass!

@TilleyYT Год назад

Thank you! Kitty is much happier now!

@catherinewilke5583 Год назад

This young lady is doing so much better than most participants, and after a horrible childhood with a mother who ruined her credit. She has risen like a phoenix out of the ashes. Go Tilley! We are all cheering for you !

@TilleyYT Год назад

Thank you!❤

@sphinx1017 Год назад

This girl should be in radio or podcasts! What a beautiful voice she has!

@alexisballard1459 Год назад

What a tough girl! Been there with my car getting taken by my narcissistic mother when I was 18, she got rid of my two cats too… so glad Tilley got out of her situation. She’s stronger because of it.

@Spellchecc1OO Год назад

Everyone apparently has a narcissist mom

@M_SC Год назад

@@Spellchecc1OO1 in 25 people are narcissistic

@M_SC Год назад

So sorry about your cats.

@cami5173 Год назад

@@Spellchecc1OOor people with similar experiences like speaking about said experiences when it’s relevant? Like how communicating works?

@potato1084 Год назад

@@Spellchecc1OOI can name about 5 narcissists in my extended family. They’re common.

@eidolonbreed Год назад

Man she’s so genuine and the love for her fiancé says a lot. She’s a keeper for sure. We all need someone who loves you but also wants the best for you. It’s a team effort and she’s a rare partner who wants to help out and not just let the man do everything. Respect!

@TilleyYT Год назад

Thank you! David and I are a really great team!

@ThunderStruck94660 Год назад

@@jyoung6366oh gawd, grow up Karen!

@twodots9403 Год назад

The man comment is unnecessary imo - and honestly insulting. Lots of women don’t “just let the man so everything”…

@ThunderStruck94660 Год назад

@@jyoung6366 grow up Karen!

@potato1084 Год назад

That’s not a RARE partner 😂😂 We’re in the 21st century not the 19th. Get your head out of this media bs and actually interact with people irl.

@matias.maroma Год назад

My best friend also has an unstable mom who has put $15,000 in collections in his name and has been trying to get out of it for years. Now he lives with me cause he couldn’t get approved for a rental with those collections, which is how he found out about them. Sucks when the one who’s supposed to help you is the one who’s making your life harder.

@tashintomorrowland Год назад

Wow! This young lady will go far, she has a good mindset despite her challenges with her upbringing. Plenty of room for her to grow, but a great outlook on things and good mentality will get her far! This one was a breath of fresh air.

@alexisballard1459 Год назад

Caleb you should start including home maintenance / property taxes / insurance in the budgets for homeowners - important expenses often forgotten when considering home ownership

@TH0KH Год назад

He does everything except repairs, doesn't he? I'd assume people include property tax in what they pay (many mortgages include that, mine does) and he asks about recurring costs like insurance. Most people in this situation shouldn't be putting repairs into the budget, it's just the starter emergency fund for now

@kelseywarner8387 Год назад

I am SO excited when a new one of these drops- Caleb you've totally changed my relationship with money, thanks for the great content!

@CalebHammer Год назад

That’s awesome!!

@K2W-Verv Год назад

I’d second this

@kelseywarner8387 Год назад

@@CalebHammer if you ever want another person on the show, let a girl know!

@maanaspisati9315 Год назад

getting her credit from a 320 to a 710 is actually remarkable. kudos to her

@BackyardAlleycats Год назад

Wednesday financial audit let’s go fam!

@gbblarggb Год назад

I thought it was Monday cause of having a day off mid week my schedule is so whacked out

@lee8287 Год назад

There needs to be some sort of fail safe or trigger at these financial institutions to prevent parents from opening credit cards in the kids' names. Whatever we are doing now is not working.

@TH0KH Год назад

It shouldn't be legal for people under 18 to get credit products, that would fix 90% of these cases

@IAmContemporary Год назад

@@TH0KHWait you can get credit cards as a minor in the US? Damn, in my country even people over 18 might be denied if they recent income and spending history doesn’t prove that they’d be able to pay it off monthly. Someone with a monthly income of 2000€ could probably not get a credit card with a 1500€ spending limit.

@brihayy Год назад

@@TH0KH it isn’t legal. Banks just don’t do anything about it unless the child reports it - which rarely happens

@potato1084 Год назад

@@IAmContemporaryI’m in the UK and I had to fight and even lie about my income being higher to get approved for a credit card to start building credit. It’s insane to me that American banks allow this.

@potato1084 Год назад

@@IAmContemporaryI was making about £8.2k taking out a £1k student maintenance loan and rounded it up to £10k so they’d approve me cause everyone was rejecting 💀

@hdeutsch1974 Год назад

She is so adorable. I love her heart and how well she's doing and her ability to reach out for help. I hope all those around her are 1000% good to her she deserves great things in life.

@jillianjackson9365 Год назад

David if you’re reading this … I hope you’re as good a person as I think you are. There is so much room for financial abuse and manipulation here, but it sounds like you really care about Tilly. The trust they have instilled in you is huge ❤ Rooting for everyone! 🎉

@TilleyYT Год назад

I showed him this comment ❤ He's a good egg.

@ashcraft555 Год назад

@@TilleyYTI wish he would have come on this episode with you! I see a lot of us had the same concerns about the way this situation could end with you hurt. (It's strange how protective you can feel of a stranger after only watching one video of them!) Having him there to talk about how he's set things up to protect you would have helped give us the fuller picture. For whatever it's worth, this stranger on the Internet is so proud of all you've accomplished and overcome. I wish you the absolute best and can't wait for your update episode!

@TilleyYT Год назад

@ashoalcraft4404 He is *very* camera shy (I barely have any pictures of him), but if there's a follow-up episode, I hope he will be able to get some time off work to join me to the studio.

@RobGoldy Год назад

Straight up feel for her so much. If my parents physically assaulted my cat they would be completely dead to me.

@csx6910 Год назад

That garden might have some new fertilizer.

@michaelb.8953 Год назад

@@csx6910 Cat poop or soylent green?

@anthonynguyen1701 Год назад

So you chose an animal over your own parents who gave birth to you and raised you? That's insane.

@RobGoldy Год назад

@@anthonynguyen1701 Yeah, if they were physically abusive they don't matter anymore.

@Julia-b9x Год назад

100% - hurt my fur baby and count me out of her life for my life.

@kmpnyc Год назад

she is the best person you've ever had on this show. she is a genuine, caring person, who has handled really hard situations very well. she knows she wants to do better and she's open to hearing caleb's advice. everyone is rooting for her!

@starrwinter Год назад

Woah…. I’m sorry you had to go through that and glad you were able to get out of that dangerous situation. When your family is the one that screws you over and puts you that far back when you’re just truly starting your life - no words.

@a123sophie123a Год назад

She has a lovely calming voice! Super proud of her for digging herself out of a hole she was thrown in by her mother.

@justmrisrael Год назад

I’m so proud of her already!! 710?! From 320?! INSANEEEEE

@terijackson2010 Год назад

So proud of how far she has come-BUT- I feel very uncomfortable with her boyfriend “taking care of her finances” to the point she doesn’t know what she has AND buying a house with a non-spouse who basically has taken care of all of the financial end and said “you pay 1400 a month” ESPECIALLY WHEN HE KNOWS HER HISTORY. He’s not taking care of her, if he wanted to help he would teach her smart financial literacy. It’s just scary and sketchy to me.

@watchersmith806 Год назад

Exactly! Given her background, she could be putting her trust and hope in someone who could be setting her up to be used again and left holding the bag.

@ceciliajohnson8812 Год назад

I don't think it's sketchy. But potentially unbalanced.

@hanwagu9967 Год назад

that's on her, not him. She needs to want to be actively involved in her and their finances.

@TilleyYT Год назад

Hello! David is transparent with me about my finances, but I let him stay in charge of them because I know myself and that I currently have a very unhealthy relationship with money. I am working on improving myself, but until that happens, I would rather have a responsible person I trust be in charge of my money. We have been friends long before we started dating, and I fully trust him to turn the accounts over to me if we ever were to break up.

@potato1084 Год назад

I would feel uncomfortable too but it does work for some couples especially if one is better with money.

@HidInMistProductions Год назад

Dang, she's been through so much! Between her mom being Like That and committing fraud, her dad being in a cult, having to quit her college program, and living with DID, that's a lot. She's doing great, she's really done such a good job trying to do the best and taking control of her life. I wish her the absolute best in life! Tilly, I hope you thrive!!! 💕

@TilleyYT Год назад

Thank you!

@MPPG663 Год назад

Her dad is not in a cult.

@HidInMistProductions Год назад

@@MPPG663 dawg, there's a whole time-stamped section at 14:35 where she talks about it. have a nice day!

@MPPG663 Год назад

@TilleyYT I commented this separately, but I'm glad Caleb pushed back on you regarding your father's religion. As the saying goes, you're entitled to your own opinions, not your own facts. Of course, you don't have to agree or like what your dad believes, but it's obviously important to him. To jump on a public platform and say he's "part of a cult" when, as Caleb ascertained, he is not...Well, I hope he doesn't see this. And I wish you well.

@MPPG663 Год назад

@HidInMistProductions "Dawg" (You must be in your 50's. Nobody says this anymore lol)how are you gonna timestamp exactly what contradicts your comment and supports mine? LOL! I he is NOT part of a religious cult. Caleb's line of questioning made that clear. It's evident that her disagreement with their beliefs, practices, or standards are the reason she's labeling them as she is.

@sensclan2597 Год назад

There’s simply no better channel on RU-vid. The amount of content being pumped out is incredible! I made sure all my fellow college buddies watch your show. Keep up the hard work Mr. Hammer!

@amylukenash4048 Год назад

I like her. She’s so kind. All the stuff she’s been thru and she’s still so empathetic and kind. Great human being. I hope she really succeeds in life. Love her hair too.

@danielwhiteside3610 Год назад

Pro tip. In Texas you can fill out a simple form and transfer a car title to a family member without paying the sales tax. There is a small $10 transfer fee instead of the usual 6.25% tax, for family members.

@Lazirus951 Год назад

Yep, it's called Motor Vehicle Gift Transfer if anyone is curious.

@genxx2724 Год назад

Transferring title should be a nominal fee, not a tax. I guess with no state income tax, Texas has to get revenue somewhere.

@DChavez1020 Год назад

Much appreciated for the tip!

@TilleyYT Год назад

I wish I had known this back then! Thank you!

@username9999 Год назад

When I heard "$500" I was like "Woah, Texas is expensive!" Where I live, registration is $100 per year, title transfer is probably $20.

@BuckeyetheCat Год назад

Wow, Tilley is amazing and strong. I'm so happy she and her cat are now safe. I'm very sorry she had to deal with all of this, but she has made such great progress. 💐

@Dis_is_fine Год назад

I know how much it sucks to have your life slowed down by just being born into the wrong family, but it does get better! At some point I was scared of ending up homeless, but now I own my house and am getting ready to apply to med school. Just keep following your dreams!

@genxx2724 Год назад

I don’t like that term, “follow your dreams”. Set a goal and march forward every day is more realistic.

@ryansmith8782 Год назад

Also how much worse it can be if you are born into money with no knowledge of wtf the world is.

@ryansmith8782 Год назад

@@nathanballance2347 blessed

@genxx2724 Год назад

Fernanda, who is the character in your avatar? And I wish you the very best with your studies. 🌷

@alephnaught8343 Год назад

Who else is looking forward to some follow-up episodes. Caleb should just post normal episodes and then just every now and then do a bonus Saturday episode that's a folow-up and maybe make it a premiere or stream it live?

@alexandramariescavo Год назад

I was thinking the same thing!

@Sadreath Год назад

I think this would be kinda hard since it would mean filming 4 episodes per week which is honestly quite the task.

@Ms.Bree8403 Год назад

Me 🖐🏽

@aileenonvenus Год назад

@@Sadreathit’s also a matter of getting people to agree yk, i saw a girl from an episode 2 months ago where caleb had to remind people in the comments to not be hateful.

@themanintheyellowhat6852 Год назад

Honestly she could make some extra money on the side doing voice work, she has the perfect voice for audiobook narration!

@justwatching5284 Год назад

The boss makes a dollar, I make a dime. That's why I'm watching Caleb on company time

@Sara-ri7qi Год назад

amen

@lindzriddb Год назад

Love this!! I also find having him on in the background while I work motivates me to work a little harder too.

@queen4u281 Год назад

😂

@tanpham7411 Год назад

Then why not trying to learn to become a boss instead? Took me 12 years of working for somebody else before I run my own business.

@potato1084 Год назад

@@tanpham7411Because most people can’t do that. “Working for yourself” isn’t for most people.

@QuantumKitty Год назад

Caleb is doing some amazing spiritual/healing work for all of us. We’ve really started taking accountability and auditing ourselves and saving more. A lot of us grew up with parents that had no financial literacy and it’s up to us to learn and do better. Thank you!

@MyLifefunthingss Год назад

Open and honest. Good for her, as a child of parents with manic episodes… I know she gone through it recently. Hope to see her get it figured out. I go nothing but positive energy for this human!

@christinefrier7888 Год назад

Impressed with this gal. She has been through so much, and really is working hard to get her life in order. You go girl!

@mable90shaynne Год назад

I am so glad she shared her story! The cost of trauma is not talked about enough. I know this channel isn't necessarily about that but it does send good vibes towards the importance of mental health and I love that!

@InfectiousDucky Год назад

My bestfriend suffers with DiD and I gotta admit this girl is doing fantastic, it's not an easy mental state to be in, I'm rooting for you!

@TilleyYT Год назад

Thank you! It's difficult, but it's not impossible!

@dragborn926 Год назад

It's bullshit

@potato1084 Год назад

Yeah I had it more as a kid but now it’s manageable

@lawfullucyless6715 Год назад

This is the most relevant one to me so far. I just paid off a loan my dad took out in my name it was all he left me. Then the dark cloud. ...i have the dark cloud too girl....but im still a smiling shining light like you are. You're amazing.

@lawfullucyless6715 Год назад

When I first checked my credit it was in the 300s and no one ever believed me, my dad used to tell me my life wouldn't suck so bad if I didn't keep making such horrible choices. Boy was he wrong haha the hits just kept coming. And the weight. I was a previous drug addict and Im just....fat now lmao. Fat and happy but fat and wasting money. I'm working on it. I promise.

@pitchkinker Год назад

@@lawfullucyless6715 hey way easier to lose fat than to lose an addiction... Also you've already done the hard part of paying it off!!

@lawfullucyless6715 Год назад

@@pitchkinker absolutely! And I love working out and my preferred food is on the healthier side. I even ride my bike 6 miles a few days a week. I'm just fatter than I was as a heroin addict 🤣

@pitchkinker Год назад

@@lawfullucyless6715 hell yeah! That's one of the healthiest lifestyles I could imagine! Good luck :)

@M_SC Год назад

So are you!

@christianshoemaker689 Год назад

Can hardly wait till 8am for these videos Caleb. My addiction cannot be healthy

@Clementine202 Год назад

At least it’s free fun 🤷🏻‍♀️ ;-)

@iryna.e.z Год назад

My gosh I don’t usually comment on your channel Caleb! But todays guest Tille is so nice, I love her voice and strength to restore financial balance. Couldn’t help but smile for her success, you go girl!

@TilleyYT Год назад

Thank you!

@J1NXCS Год назад

Shoutout to you man, you got me off my vapes after many unsuccessful tries just but the way you said disgusting habbit 🤣 plus I’m doing the 50/30/20 and selling my tesla :(

@M_SC Год назад

Good for you!

@starmapsllc Год назад

Man respect to her for being so open about the stuff she's had to deal with.

@ohhhlorrd Год назад

This is my new favorite episode, the honesty and the struggles she's survived and thrived from after, honestly congrats to her and good luck on the new home!

@TilleyYT Год назад

I really appreciate it, thank you!

@melanieavans6072 Год назад

Omg, such a likeable person! You go girl! You've been through a lot and you're doing great! Congrats on what you've acomplished and good luck with your future! ❤🔥

@javierneri81 Год назад

Thank you Caleb and to all the guests in these videos. I used to be very good with money growing up, but started slipping when the pandemic hit which coincided with me receiving stipends from my scholarship. Slowly recovered, and got heavy into investing because of watching a lot of Graham Stephan which was a good start but tunnel-visioned too much on my future self that I completely ignored my current financial situation. Watching your videos has brought me back, and I couldn't be more grateful.

@SargentFraser Год назад

Having a score in real-estate as well as anything above 4 in Caleb's show is like getting a GPA of 4 in college. Congratulations!

@justkate158 Год назад

Glad to hear she locked her credit. Her mother still knows her social security number

@byefelicia7967 Год назад

The fiancé taking full control of her finances def scares me… but idk this man hopefully everything goes well for them.

@JaZzYLINE Год назад

I love her. She seems so sweet, kind and self aware. 💕 She made all the right moves and keeps moving forward even when things are easy or perfect. What a role model for being a good person.

@livetosmileandlaugh5368 Год назад

Agreed!

@jiannamariel Год назад

I look forward to this every day (they come out). Only a few minutes into the ep and wow, such a sad/tough situation! Kudos to her for making the most of it- hoping and wishing she succeeds!

@rjdtwo Год назад

this woman is a warrior! I can't believe everything you've been through, very inspiring!!!

@Olivia-2019 Год назад

She seems to be doing a great job picking herself up. I am worried that she lets her partner have so much control over their finances and stays out of the details. That is how financial abuse can start.

@TilleyYT Год назад

David and I are both very aware of that, which is why he is very transparent with me about my finances. However, money discussions can be a massive trigger for my PTSD, and I often dissociate while having those talks, which is why I choose not to get too in the weeds about it. But I'm working on improving!

@KC-or1ic Год назад

Thanks for your bravery and honesty. 💖💖💖💜💜💜

@DevHazy Год назад

@@TilleyYT❤❤❤❤❤

@MrsYasha1984 Год назад

@TilleyYT I'm so glad you found a good man! And i'm very impressed how xou roll with the punches life gives you. I wish you much success and healing, and a wonderful marriage! May God bless you and send you peace!

@discocycle 10 месяцев назад

Yes I'd echo the same! (This is coming from someone who was financially abused by a partner for years)

@katieh1752 Год назад

I had to file fraud against my mom too and it's definitely hard. She's passed on but now that I'm a mom I still can't understand WHY.

@elizabethspicer8979 Год назад

these make my days so much better! i have saved so much money, and has lead my boyfriend and i to have more discusses about our future finances. thank you caleb for inspiring us!

@gigihanley9757 Год назад

Splitting costs down the middle only makes sense if they make the same income. The fair thing would be to contribute the same percantage of each income to the total needs.

@M_SC Год назад

THIS. No one seems to know this.

@evgeniyaseminenko8594 Год назад

Equity over equality. Correct

@TilleyYT Год назад

David and I had this discussion shortly after this was filmed, and we have balanced our expenses based on income!

@evgeniyaseminenko8594 Год назад

@@TilleyYT you two seem to have a solid relationship! It is nice to see

@adamseidel9780 Год назад

This is what my wife and I do. I don’t think it’s the only way, I don’t think splitting it down the middle is inherently unfair, but I think it makes things better for us both.

@BullsEyeBen Год назад

I am really rooting for Tilley! It looks like she really is trying to get her life back together. I am glad Tilley got out of the horrible home situation. Good Luck!

@beth1352 Год назад

They're so lovely 🥹🥹 rooting for them!!!!

@Trziwocjwheicnaocejk Год назад

This is really scary to see, obviously she trusts him witch is great. But with 50% of marriages ending in divorce, he could be stealing from her and she’d never know. Everyone should know about their own money, the fact she doesn’t know where her money goes and has to give him money to put into her savings is a little scary. Especially since they won’t be married for another 14 months.

@fae10 Год назад

I’m hoping her partner is truthful but I’m with you. Given that she has a history of financial abuse already I wish she would be more aware of what’s going on. Fingers crossed it’s all okay 🤞

@jane1647 Год назад

I've been watching these for awhile, and the trolls and jerks in the comments seem to be increasing a LOT recently. Tilly, if you read through these, just know that the vast majority of us are rooting for you! You are getting on the right path.

@camb-t8p Год назад

The more I heard about her life the more shocked I was that she’s managed to dig herself out of that hole! She’s amazing!

@TilleyYT Год назад

If I don't smile when talking about what I've been through, I'd cry. It's been a lot to deal with and a lot to work through, but as long as the sun rises I keep trying to be better.

@camb-t8p Год назад

@@TilleyYT I wish you all the best, Tilley! ♡

@princescott Год назад

I just came to say she has such a beautiful kind sweet hearted personality and I love it. I wish I was more like that.

@pilotoblackbird433 Год назад

She’s awesome. Halfway thru and she is such a genuine person, way to go girl!

@beakboop Год назад

She has such a smooth speaking voice. I could see her in a podcast or on the radio.

@mash8436 Год назад

Really great head on her shoulders. She will be fine - tough situation for her but glad how she has responded. SO brave for sharing her story

@JakeSpradlin2 Год назад

She’s brave! Been through a lot. I’m glad she left the abusive scenario with her mother. She will get out of it!

@Willemmoseley Год назад

She's an incredible person who's faced so many challenges. I'm sure she'll be fine with some hard work, all the best!

@TilleyYT Год назад

Hi everyone! I'm Tilley from the video! Thank you all for your support in the comments. It really means a lot to me (and my cat too)! I would like to clarify that David and I are both very aware that putting him in charge of my finances is a risk, especially for financial abuse. I don't think he ever would, but he ensures as much by being very transparent with me about my finances. However, money discussions can be a massive trigger for my PTSD, and I often dissociate while having those talks (which actually happened a bit in the video too), which is why I personally choose not to get too in the weeds about the details of money. That said, I'm continuing working on improving my relationship with money, and I have already implemented Caleb's advice!

@Calebdescope Год назад

You’re a rockstar

@yvetteduran8617 Год назад

Great work! Consider getting married via the court before buying that house and combining your finances. You can always have the nice wedding you want in the future.

@alexparedes1573 Год назад

Congratulations I don’t know you but I am so proud of you!!!! 🎉🎉

@cookareekoo Год назад

You have such a lovely soothing and clear voice, even talking about really hard stuff, loved listening to you 😊 🎧

@ashcraft555 Год назад

I'm glad you recognize the position you're in. I hope you can get the help through therapy to be more involved in this. I'm upset on your behalf that David is making more money than you, has a fully funded emergency fund and isn't taking on a higher percentage of your joint expenses so you can afford therapy as often as you should be going. I would sell a kidney for my partner to get the mental health help they need. I agree with the comment from someone else that you should go to the courthouse and get married now. It will provide you with some protections that are important for you in this situation.

@HomesteadingwHolly Год назад

This video really called into perspective my privilege with my family. My dad opened a credit card in my name in my early teens too, except it set me up for so much financial success because by my mid 20’s my credit history was already great and 10 years old. I continue to benefit from the rates I qualify for on big purchases. I cannot imagine this situation her mom put her in. So sad

@KaapaKoopa9 Год назад

My wife was in the SAME situation with her mom that Tilley was going through. It's hard enough to dig yourself out of debt you put yourself in, it's even harder to dig yourself out when your parent is the reason why. We don't speak with her anymore.

@KS-cl8br Год назад

I wouldn't pay someone else's debt... just report to the police and credit bureaus

@ruz6135 Год назад

My fiancée's step mom did the same but with a power bill. She has never had a credit card or anything so when we found out on credit karma that she had like a 400 credit score because of a $3,800 debt in collections, it was quite a shock. 😢

@KS-cl8br Год назад

consider don't marry her until or unless she reports the fraud

@ruz6135 Год назад

@KS-cl8br we've been trying to figure out the best action to take but it's complicated with it being family.

@benjormungand Год назад

It's amazing how far she's come. That was a much worse situation than many on this channel, but she took it seriously.

@Jordybuilt Год назад

Just opened a 9 month CD with 5.25%. Put 30k in there and will make 1200ish for free. Also have 30k in emergency fund and 5500 in checking. No debt besides my mortgage ! Loving life and Calebs audits

@ryansmith8782 Год назад

For free? Or taxed?

@lot2196 Год назад

I need to do that too. I have $50,000 cash in a emergency fund. I don't need that much. House and cars paid off. Kids all grown. I should put at least 20k in high interest rate savings and probably bump my 401k to 10%.

@Jordybuilt Год назад

@@lot2196 definitely should ! Not sure if you have any eastern banks local but that’s who has the high yield CD

@Jordybuilt Год назад

@@ryansmith8782 not taxed

@Lazirus951 Год назад

@@Jordybuilt Unless it's an IRA CD, it is taxable income. I'm going to assume it's not an IRA CD though cause nobody invests their IRA in a CD considering S&P 500 is ~9% a year.

@daniellebrooks3670 Год назад

Tilley might just be THE sweetest person ever. I'm rooting for her!

@beyondcarolina8512 Год назад

Congrats on everything she’s accomplished so far and I hope everything works out for her, she seems like a really good person

@Miggy2222 Год назад

Proud of the life challenges she has overcome! I couldn’t imagine the trauma caused by her parents. Glad that the benefits of therapy get discussed openly! However, I’d be nervous if only my partner had insight into finances. David should spend more time teaching her and showing her how to handle finances instead of just doing it all himself. It would be beneficial to them as a couple for both parties to know how much is in savings, how to invest, etc.

@ashcraft555 Год назад

Amen. $10 says whoever witnessed their agreement for him to take over so much of their stuff is a member of his family. The fact that he's not making sure they have the money to get therapy weekly for their DID and trauma says a lot to me about his values in this situation.

@erikaplaza7605 Год назад

She's the cutest, I loved the humble brag haha wishing her the best!

@moomoocachoo9025 Год назад

The throwing of the cat story was wild, but her dad being in a cult threw me too. I'm sorry that Tilley had to go through all that, but she's clearly doing well and has a good head on her shoulders despite everything. I wish her the best in getting out of debt and having a wonderful life.

@TilleyYT Год назад

Thank you so much!

@eliza_kai Год назад

You are a warrior. DID is so incredibly difficult. I can see that you’re working at giving a voice to the little girl that was so severely traumatized. You’re an inspiration. Your openness and willing vulnerability is so inspiring. People simply cannot speak to something they have never lived through. You’ve inspired me, so thank you for sharing ❤

@KS-cl8br Год назад

Keep strong Tilly. Good on you for fighting back against your parents

@KS-cl8br Год назад

The more this interview goes on the more I see how strong you are. Best wishes to your future. It was brave to share about the disassociation. I am glad therapy is helping you.

@CatsMeowPaw Год назад

I really feel for this woman, and wish her the best success in piecing her life back together I have a sister with delusional disorder, and it's so heart breaking to see them say and do things that are absolutely insane and completely out of character. What's worse is she (like the guest's mom) is highly resistant to any sort of professional help. My sister is tied up in her own fantasies, and believes 'they' and 'them' are out to get her throughout her entire life. It's just so sad.

@KJuan Год назад

Wish her the best on her journey! She was dealt a terrible hand with the situation her mom put her in but she has clawed back to get in a stable spot. Good for you!

@jeramyneeley3351 Год назад

I have no debt but I always love watching these videos, I learn A LOT and you've made me consider investing more into my retirement.

@Ilene-forward Год назад

I hope the best for this client, she has a supportive soul and I have she has great people in her life that will help her navigate her mom’s behaviors/mental illness. It’s a huge burden to bare.

@SaraTheBlack Год назад

They are such a sweet person. I just want to give them a hug, a good job cheer! Love the hair!

@christievans1891 Год назад

I’m so impressed with Tilly! She’s well-spoken and smart. Despite her rough start, she’s going to be super successful! And I agree, she’s very stable mentally and financially!! Thanks Caleb, I’m a Ramsey convert & appreciate your honesty and supportive comments to everyone!

@SilverGirlAu Год назад

What an amazing human... cannot believe the amount that Tilly has endured and overcome to get to this point... Particularly loved your message to others at the end... Tilly - you need your own RU-vid channel! Inspirational! (and I feel like it was one of the best hammer scores in a while!)

@TilleyYT Год назад

Thank you so much ❤

@halimgul-5279 Год назад

Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a MYSTICFLIP , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.

@thepresidentslab 10 месяцев назад

Thank you Tilley for coming on this show and sharing your story!

@octarinecx Год назад

Omg this is literally what happened to me. Im so sorry! I know its hard when your own mother is doing the damage mentally and emotionally. Just keep going and dont let that get to you!

@TeKnoVKNG23 Год назад

David "managing" the finances is a big red flag.

@potato1084 Год назад

Tbh if she’s asked him and he’s doing a good job it’s okay but she should be involved more. She said he’s really good about giving the details etc.

@Caliabra Год назад

Good for her for turning things around and still having a positive attitude

@brutalragegaming Год назад

Love seeing someone not just letting people take complete advantage of them mentally and financially! Great job getting back on track!

@OurPerez Год назад

Omg her Mom is a piece of work. Poor Girl!🤦🏾‍♀️🙏🏾

@tonifrancis6945 Год назад

I love this girl! Truly. Her self awareness is phenomenal and I feel as if I am learning from her and being motivated in my own self awareness. I love her! 💕

@marid.2874 Год назад

As someone who grew up with a bipolar and schizophrenic mom, this really hit home. I wish her the best. She went through hell and she deserves to be happy now. Edit: also, I'm so happy you told her you're proud of her. It means SO MUCH to people who've been through that kind of shit. Edit again: holy shit dude, a DID system on financial audit! We're literally the same person! Good luck to you guys, it's a bitch to manage but good god I'm rooting for y'all so much ❤