▶LIMITED TIME: Take our investing program at a big intro discount, and get $100 worth of stocks- making the program FREE for you... and they are hand-picked by me. calebhammer.com/investing/ I cannot believe the whole team got their nose in this guy's smelling salts haha, this office is so dumb: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin Click the link j.moomoo.com/00Bn5Z to get a 1.5% cash reward on your transferred assets (up to $300)
The smelling salts are absolutely wild. Sometimes we Narcoleptics joke about using them as a last resort, but *we* find it too ridiculous. Especially with the possibility of chemical burns, losing some of your sense of smell (from the burns) addiction, and rarely, death. I cannot with this ish. Someone doing it for real to keep drinking is so damn goofy
I'll give Hunter credit for one thing: he didn’t piss off Caleb to the point he wouldn't finish a budget for him, like what happened to the previous two guests this week.
@@yivo9996 not 100% of the time. Several guests were really bad, the astrologer who came in for clout, and the stripper who kept staring at the camera and said "trigger warning" for getting fired absolutely deserved Caleb getting mad. Frankly, so did the security guard on Monday, that guy clearly did not care about his finances.
@@yivo9996 Pretty sure he does it for entertainment purposes and to nail in the points, because people usually don't seem to see the issues with their actions or try to justify, deny or pass blame.
I had $6000 debt, financed a $2000 phone, and crazy impulsive spending habits. Your show helped me wake up Caleb and now I’ve got 11K invested and im debt free!
I’ve been in this position. What really turned my life around was to cut out all drinking. Suddenly, I had more money and more motivation and was able to see that I was worth more then what I was being paid. Never settle.
This happened to my husband, his Mom called and told him that she was pregnant before she met his Dad. Then hung up. Everyone knew. We’ve sat across the dinner table from most of them at every event, reunion, dinner thanks giving ,Christmases for 2 decades. people who didn’t know hubby themselves , but have been friends with random family members his cousin knew. Everyone. We don’t bring our children around anyone who knew. It has made our circle smaller. But everything here in that circle can be trusted. Those who have had late discovery bio parentage disclosed , now that person has no idea who they fit in the world, or the family, or themselves. It is like pulling the rug form under someone and expecting them not to fall. You never stop wondering what else they haven’t told you. It’s a terrible feeling.
I liked this guy. He was honest, he was humble, he’s just into some vices now and needs some structure and maybe a kick in the butt. I’m definitely rooting for him.
Agreed - Seems like a level-headed guy with a rough past. He's got past a lot of that it seems, now it's just the growing up part we all go through. Hoping he makes changes in his financial life!
Weird, because I felt the opposite. Of all the people I've seen on here, this guy ticked me off the most. He was devious and his answers to Caleb's questions were disingenuous at best. Put more plainly, I thought he was a liar. It started with the $7,000 he borrowed from his parents. He was deliberately vague about what he did with it, no matter how much prodding Caleb did. He was openly dishonest about everything until Caleb figured some things out and called him on them directly. I'm still confused as to why Caleb didn't call him on his obvious porn addiction. All those weird, misc streaming charges? Adult content and movie rentals. And we're not talking about rom coms, dramas or action films. At least not what the kind of action the rest of us are watching. Frankly, I wouldn't be at all surprised if he didn't blow the $7,000 on his favorite OF girl. Probably had some fantasy thing in his mind where he could throw a bunch of that money at her and she'd see him in person... Between all those charges and his OF charges, his credit card balances would be halved. And yet, when Caleb prodded him about what all of the media/streaming charges were for, he let him just mumble some BS response. At first, I thought he was trying not to embarrass the guy, then I remembered we're talking Caleb here...
@Lucinda_Jackson he obviously struggles with porn addiction and it is very serious, but would you be super open and upfront about it if that was a problem you were dealing with? It's one of the most shamed things in society and Probably for good reason. All those things you listed doesn't really make me dislike the guy any more, just makes me feel bad for him. Hopefully he gets help and beats that addiction because it honestly is singlehandedly ruining his life.
Caleb, I am officially debt free. When I started watching I owed $25,000 in credit card bills, and my credit store was 602. Today I am debt free and my credit score is now 800. All I did to make this happen was stopping buying stuff I didn't need. That's it. Nothing magical. In theory, my savings account should grow at the rate I paid off my debt, and more. Thank you!!!
WELL DONE!! Remember to up your investment %now that you have more available income without those min monthlys!!! I'm trying to catch up with you. Sadly I was in a similar position as him. Severely underpaid(working applebees host, server, expo, togo, line Cook. Spent atleast 4 years in 2 separate times. Started 2018. Pandemic swapped line of work. And came back 2022... Lots of pain and suffering but just gotta keep saying no I don't need that!! Amen to you paying it all off. Time to do more applications lol😅🙏🏼
It's a breath of fresh air to have a guest that isn't behaving as if everything is a joke and that seems to get how screwed he is if he continues without any change.
@@nerored6235 exactly! I thought people were joking when I first saw the comments. I have Narcolepsy w/ Cataplexy and I'm in a few Narcolepsy groups/servers where it's a *joke* to use them as a last resort if meds aren't working or they're unavailable in someone's country. I have seen like 2 people say they actually use them that way - and everyone was like "hey don't do that." This feels like an "are the _____s okay" type of moment. Being so extra when you could just enjoy your health 💀 (I originally said "are the straights okay" thinking folks would understand I meant it's *like* that but disabled/abled people instead of gay/straight. I didn't want to say "abled" assuming he has no invisible disabilities. Point was from everything we know he seems okay enough to enjoy physical health and instead he's out here doing too much. Everyone can cool it).
Yo, as an executive chef, i always tell my sous the same thing, Dont drink at the bar. It's so unprofessional dude, like you really dont have anything better to do on your day off? How are they sapposed to respect you when they see you half in the bag on your day off then come in the next day like you're this put together, boss? They aren't your friends they are employees, its not your spot, its your work.
@Marly930 it's not that weird in the industry but it's definitely a faux pas for management to do. It's just awkward cuz the lines between friend and employee blur, you have a couple drink them walk into the back when you're a little loose and start chatting all of a sudden you say something stupid or have 1 too many and do something stupid or God forbid they have to cut you off, hard to come back from that
FINALLY a good financial audit that actually could help! I saw him tearing up as the reality of his situation hit him. My dude you got this! Grind for a year or two, get the experience then swap jobs for a higher paying one and you’ll be sailing
I know it’s hard to leave a job you’ve been at for a long time especially if you feel like you helped them grow. But you gotta get out of there, they do not care about you. They will replace you with someone else who’s okay with 48k in a week.
This dude is genuinely pleasant amd genuinely broken/hurt too. And seems Caleb really liked him on a personal level. Definitely a refreshing episode based on the previous few. Hopefully this guy takes this wake up call and runs with it.
At least they told him at 10 years old I think that's a good age. So many wait until they're adults and they feel lied to and betrayed and go no contact.
My first husband's parents were his grandparents. His sister was his mother. His brothers were his uncles. His half-brother was recovered from the police after his sister/mother left him on a literal doorstep when he was an infant. 😂
A second job will not only get him out of debt faster, it will also give him less time to be out spending money at bars and at home paying to watch adult content.
thats the simple solution and its also the worst. i was at 10k in debt bc of poor choices, and worked 2 jobs while at school. now im not going to say what i used to help me get through all that lol but it took me 3 years to pay it all off (including all the interest i was accruing). i vowed to never get into that situation again if i could help it because it is literally not something i would wish on my worst enemy so i dont actually blame people for not wanting to do that. but at the same time, i think it is necessary if you want to actually start living a life again because ever since, i have never needed a second job because i learned from that
As of yesterday, my husband and I have paid off $40K of high interest credit cards and IRS debt. We started in October and watching your show has been the weekly boost we need to keep focused. Thanks so much! Now we're gonna tackle the car and the house; should have it all paid off within 18 months if we stay on track! 🙌
@@k20z3keith7it's not real. If there income was that hight they paid off 40000 I in 7 months so circa six grand a month extra how did they get in credit card debt
I am credit card debt free! Over $18,000. I also have paid my car off from $40,000 to $17,500 in 12 months. So excited to focus on my financial freedom. Thanks Caleb. Truly.
I feel like he is severely underpaid for an assistant GM position. Would be good to work this for 6 months and then look elsewhere for a job that can pay more
Hunter, you’re very brave for coming on the show and sharing your story. It must have been so confusing to learn about your biological mother at such a young age! I have complex ptsd from a very confusing (and abusive) childhood, so I can relate a lot to why you’re spending the way you are! Plus the pandemic was so hard for anyone with childhood trauma. 😢 I hope you can not only change your spending habits, but also feel empowered to work through some of your history with a trauma-informed therapist. I wish you the best! You got this! ❤❤❤❤❤
This guy was every guy I was friends with in college. It actually breaks my heart to see him try to explain why he isnt moving to a new job. He's too confortable.
I love how the first 5 minutes was just Caleb being “hey you’re being severely underpaid for your position why are you working there” and dude cannot figure out what Caleb is telling him
He's working there to get the experience and references to go do the same job somewhere else for better money. That's often how career progression works nowadays.
It all depends on the restaurant also. It could be a fast food, barbecue place that would not pay as much as a sit down restaurant. You gotta compare salary to salary restaurant to restaurant. Nothing like Caleb trying to make him feel like a dumb shit for not getting more money.
You can be president or ceo of a nothing company and make no money. You can be an "assistant" to a "general manager" anywhere that has the title, and if the business isn't booming you won't be either. Titles are meaningless without something behind them
Tbf, keeping his foot in the door to get some experience in a GM role and then transfer somewhere else where he can take experience to get significantly better pay
I appreciate that you are encouraging guests to be more interactive by allowing them to share their perspectives on their finances! One idea I have is to provide guests with a sheet containing a pre-drawn circle. They can then fill in the percentages for BS Spending, Necessities, and Debt at the beginning of the show. Later, you can reveal the actual pie chart and compare it to their initial estimations. This could be done digitally as pre-work to allow for comparison when you reveal the actual spending.
It should be illegal for businesses to expand by not paying their employees a living wage. If you can't afford to pay managers enough to live on, YOU'RE NOT READY TO GROW THE BUSINESS!
Yep, welcome to the channel. It gets so old, every single title is like that, such exaggeration but "ItS oKaY WhEn wE Do It Bc It GeTs CliCkS..." (sarcasm font for anyone who doesn't know btw)
Any managers paid salary should be minimum 52k because of those hours and it at least makes them $1000 a week. Or just be strict about their hours but that never happens
@@CurlyWolf_ Lately? I feel since the beginning whoever does the editing does not have a great attention to detail. So many spelling mistakes, mix-ups, inconsistencies (eg: not every video having a debt counter). It's a little frustrating as a viewer :/
His mum was 22 when she gave birth to him, i was thinking she was gonna be like 13 or something, 22 is definitely old enough to raise your own damn kid.
@@jodimbrewerhe probably goes to a place that specializes in men. At least where I’m from a lot of those places don’t allow men to enter or get serviced
Caleb I just wanted to let you know I have paid off over $6k in debt in the last 2+ months and have about another $3k to go. I should be totally debt free after June! Thank you for you help, inspiration and screaming to make my (our) lives better 👍
I feel like one of the best aspects of this show, as far as encouraging behavioral change, is making guests explain their strategies & mistakes out loud (maybe for the first time) to another person. Hunter seems really open to feedback & change.
Back when I was a bartender (5 years ago) I went into very stupid debt ~50k between personal debt and a car. One reason was clearly immaturity, the other was being in that industry, I was drinking and partying all the time. This habit made me genuinely think the only fun thing to do was drink and party and all my decision making was incredibly short sighted. I literally cash advanced from an atm while I was drinking because I didnt have any money in my account. I was such an idiot. Since leaving that industry and working for myself in the health and wellness space, I will be dept free in 4 months.
Hi Caleb, I work professionally in the 401(k) industry so I keep up on the happenings of regulations and rule changes. You accepted an ad for capitalize at approximately the 53 minute mark. I want to make you aware that it was recently ruled that rolling over to an IRA is being challenged as always being good/fiduciary advice. As someone who works in the 401(k) industry this is impactful even for us when it comes to rollover IRAs and I meet with my internal ERISA counsel at work to discuss these changes. We have to re-evaluate force out procedures to ensure we don't land ourselves in a negative place. You may want to reconsider the ad for capitalize from strictly speaking a legal standpoint. I'd hate to see you guys run into trouble with possibly providing "bad fiduciary" advice via this ad. You and your legal team will know best, but wanted to make you aware
1. Caleb's not an advisor and not a fiduciary 2. It's legal now, and most people don't incur enough personal liability to worry about ERISA protection. 3. People forgetting about an old 401k is a huge and real risk that affect thousands
@@arh1234 while you're correct, anyone could sue anyone for providing any sort of financial advice. Caleb has done a great job walking a fine line in the past, but as his business is growing there are tons of unscrupulous attorneys looking for any pay day. Even if those suites fail it takes a lot of time and heartache. This was meant more as a good faith effort to educate a UA-camr I personally enjoy about something that could land one in hot water.
My wife and I have gotten rid of 3 CCs since starting to watch you brother, I owe a lot to you, you helped get me on the journey of understanding personal finance. Started tracking every dollar and budgeting. My credit score has gone up 41 points this month alone.
Just paid off the last of my debt on Saturday. I have a 6-month emergency fund, and I'm working on saving up for a new (to me) vehicle after setting aside 20% of my net pay for retirement. Thanks for the motivation. I've been following since pre 25K subs.
Boom 💥 nice freaking job man. I've been subscribed since before 50k and my life has done a 180 since then. Zero debt, two paid off cars, 20k in a high yield, max Roth, and use my CC as a debut card paid off in full every month. Good job bud!
@k20z3keith7 it's a grind, but that feeling of relief when you hit the debt free with 6 months e-fund is an adrenaline rush ... wish I had done it sooner. Caleb's show motivated me to get a better paying job within my industry. I didn't realize how under paid I was until I started looking. Got a nearly 40% pay increase and the workplace isn't hostile/abusive.
@@UpChuckCanuck Sweet. Looks like everything is coming together. I know that rush you're talking about. On payday for example, every week I barely have my eyes open in the morning and I'm transferring 300 into my high yield and 125 in the IRA. My expenses are low so I'm Saving at least 40% of my check and still have fun once in a while. The stress is so minimal now. It's gets to the point where we can buy anything we want and not have to worry about it. I started at 28 amd wish it was sooner but there's so much time left. Only took less than 18 months to get where I'm at. It's becomes habit as you know. Good habits or bad, we have to choose amd vices are hard, but one at a time is the way to go and finances should be tackled first imo.
I like this new thumbnail style. Some of the old ones were good, but some were very bad. These are more consistently good, even if they never reach the heights of the best old ones.
I love that he’s making them do little activities with this now! Lol I think it does kind of make the guests more interactive with there finances in a more fun way ❤️
For anyone wondering about the smelling salts, they can cause damage with constant or improper usage such as ammonia burns to the nasal passage or even lungs. Using them as this guest says is wild to me.
Thanks for reminding me... I have to cancel my JCPenney card. Using the credit card NOT the department store card. It's a Synchrony company! KILLS you in interest!
Situations like this is why a lot of people in the financial world like Ramsay and others don't recommend bankruptcy and consolidation loans because it never changes the behavior and a lot of people just end right back up in the same place If not worse after the bankruptcy or loan
Caleb has a way of making me change my spending/saving habits and I almost never take advice from people on the Internet. Way to get to me Caleb 😂😂😂😂🎉🎉🎉🎉
WTF his Dad was the CEO of Montgomery Ward? They were making like 10 million a year BACK IN THE LATE 1800s.....Just think about that. Thats equal to making $350 million a year today. They were massive back then. There was a whole thing where the actual US Army seized the company's headquarters cause like 12k people were on strike and the CEO refused to settle with the workers after the PRESIDENT asked him to. This was during a war and the strike caused issues with shipping goods. IMO pretty interesting backstory to that company. So random this kids Dad was a CEO there at one point.
Sooo...I'm not sure that part of his story was true. None of the former CEOs of MW(who are still alive) live in Texas. (Living in Chicago area, where former MW HQ was, we used to hear the specific CEO names often in the news.) Also, were his parents in that stratosphere of wealth (multi-millions per yr) doubt they'd allow their son(grandson) drive around in a shitbox Camry. I wish the producers would push back on some of the stories the guests tell.
Bro, listen to your fellow bro here, you need to get into a routine of going to the gym, reading, taking free online classes, meal prepping, and overall, focusing on making your life better. This job seems to perpetuate your bad habits and is not a good environment for you. If I were you, I’d start looking for a new gig. You got new owners and you don’t owe them anything. Your position demands more money. Best of luck to you.
Caleb, I think the markers are a great idea! Makes them confront their decisions to spend because they are not reviewing their statements! Most people don’t realize how fast 10-20 transactions will add up
Caleb, I’m making what feels like small progress but it’s progress- I have paid off a good portion of my Affirm loans, and all of my pay in 4s, along with a home improvement loan and and I’m saving what feels like a mere $85 a month now. However, this morning as soon as my paycheck hit and I clicked all those “pay off your balance” buttons, I heard your voice saying “It’s progress, keep going for a better future for yourself” and it kept me motivated. I have a dirt cheap mortgage (bought for $60k, 4 years ago) that I can most definitely pay off within half the time if I pay off all this consumer crap and keep grinding. And wanting to live for the future vs now (it’s a process) Thank you for all you do Caleb! I will say because the mortgage is super cheap it did allow me to go overboard with consumer unfortunately, along with a lot of improvements with the house overall.
Consider the interest rate on your mortgage. 4 years ago it might be 3-4%. After you pay off your consumer debt it might be better to start investing and getting 8-10% in the market over paying off your small mortgage.
@@exqueue3813 It’s at 3.6%, I’m just considering paying off the mortgage early because honestly I am the first in my family to be a homeowner and nothing would make me feel more secure and stable in life than having a house fully paid for. I am looking at upping my 401k contributions and adding a few more investments eventually, however for 401k I’m already at my employer’s 100% match.
I’ve paid off 2.5k of debt in 6 months, saved 5k in an HYSA emergency fund, have a zero based bucket budget, and this year my Roth is already maxed out!! I make very little income rn as I’m starting a career in natural resources and climate solutions, but by budgeting and having a plan and doing some side work, I’ve been able to make stellar progress! Thanks Caleb- I always think “taquitos” when I want to buy something stupid. It’s even a category in my budget (bought from you) so I can see if I ever make stupid decisions. (And I’m proud to say, it’s very little)
4 credit cards and 1 loan paid off. Car paid off in 2 more months and 2 more loans to go. Gone from owing £38k to £27k since January. This shit is so hard, but future me will be so thankful I've sacrificed! This show has been a lifesaver even if it doesn't directly translate to here in the UK!
His company sounds like they screwed him over by giving him AGM responsibilities without paying him as an AGM. The company even gets back some of their money with this guy spending a lot of his off time at work. They really got him good. 😂
I'd suggest telling his parents. At some point soon they're going to start asking where the money is and he's just going to be like, "uhh...........", so I'd recommend telling them and getting it over with. It's a crappy situation but hiding it is only going to make things worse.
This dude is the king of complicated answers. “How is your relationship with your parents?” “Well my mom is actually my sister…” “Are they retired?” “Before the dawn of time there was a department store…” "Why did you take a cash advance?" "Oh that's when I had to send some money over... For a bill... Or to pay someone for a bill... It was to pay off partial rent where I sent it to them and they sent it back to me." "Why do you have a storage unit?" "I'm renting out a room so I put the washer and dryer there." "Spotify again? Why do you have two Spotify subscriptions?" "Oh, that's the Duo thing. Where you can share." "Who are you sharing with?!" "Uh, myself."
@@williamrockwell9705 ah yes this very normal well adjusted man. Unless normal just means white and ghetto speak just means slang black people use
$60 a month for a wax pass and you are only using it on your eyebrows?! Here I am over here with a barber kit ($40) and haven’t paid for a haircut in a decade.
Thank you for your show. I'm 35 years old and only been the provider for the house since I was in my early 20s. I love the way you cut the BS and get to the point. It has made me sit and make a budget stop spending BS and start cleaning up debt. Thank you for the people who also needed this wakeup call because I needed too.
Im proud to say since i started watching financial audit my whole financial situation has flipped upside down. I paid off $5500 in credit card debt and saved up $2400 in the process. I am no longer wasting money on taquitos and bullshit spending. Never realized how much money i was burning through for no reason
Isnt it crazy??? I made $5 LESS per hour than when i was spending money like an absolute tool.... i cant even fathom wasting it now that my eyes have been opened. Congrats to you!!
@nintendobunz it's insane. I've been making $35 000 plus a year for the last 3 years and this is the first time I have a decent chunk of change in my savings (+5000 in rrsps)
Hunter, as so many have said before it is so refreshing to see someone on the show that is very open to learning and taking accountability. I hope you get the help you need and deserve to heal so you can have a happy life ❤
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I cannot believe the whole team got their nose in this guy's smelling salts haha, this office is so dumb: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
Click the link j.moomoo.com/00Bn5Z to get a 1.5% cash reward on your transferred assets (up to $300)
@CalebHammer 0:45 it says current debt instead of income... shame on Noah!!! Happy Friday, if you need QC, just let me know;)
I hope you didn't smell it Caleb your be better off eating wasabi or gold's grated house radish.
I really wish I had the money to be in the post show club 😂
The smelling salts are absolutely wild. Sometimes we Narcoleptics joke about using them as a last resort, but *we* find it too ridiculous. Especially with the possibility of chemical burns, losing some of your sense of smell (from the burns) addiction, and rarely, death. I cannot with this ish. Someone doing it for real to keep drinking is so damn goofy
@@lizzyblitz07I’ve only just started the video but bloody hell…
Just put another $1350 towards my CC. Now there’s only $108 left on it! It started maxed out at 8k. This show legitimately woke me up.
Only $8k in debt? This dude says hold his beer. And his other beer. And his wine. And his vape. And his smelling salts.
@@giantpuneforgot the zyn
Incredible!!! Congratulations!!!
🎉🎉🎉🎉 keep going!!
That's awesome!
This guy 100% has a crush on a hostess/waitress/bartender where he works. That's why he accepts being underpaid and goes there on his days off
bingo, anyone who has worked in service industry knows this type
Probably her OF He's subscribe to
You guys nailed it.
😂😂
Welp, too bad because he would get fired for shitting where he eats.
I'll give Hunter credit for one thing: he didn’t piss off Caleb to the point he wouldn't finish a budget for him, like what happened to the previous two guests this week.
big facts
The bar is low 😂
He pretty much just admits over and over he knows his behavior has been really bad. He never tried to justify himself. I can live with that.
@@yivo9996 not 100% of the time. Several guests were really bad, the astrologer who came in for clout, and the stripper who kept staring at the camera and said "trigger warning" for getting fired absolutely deserved Caleb getting mad. Frankly, so did the security guard on Monday, that guy clearly did not care about his finances.
@@yivo9996 Pretty sure he does it for entertainment purposes and to nail in the points, because people usually don't seem to see the issues with their actions or try to justify, deny or pass blame.
I had $6000 debt, financed a $2000 phone, and crazy impulsive spending habits. Your show helped me wake up Caleb and now I’ve got 11K invested and im debt free!
That's very good development, congratulations on making that 180👏 👌
congratulations!
🎉
I’ve been in this position. What really turned my life around was to cut out all drinking. Suddenly, I had more money and more motivation and was able to see that I was worth more then what I was being paid. Never settle.
My husband and I were just discussing how thankful we are that we really don't care about drinking and how much money that saves us.
You made a choice to change your life! 😊
Going teetotal really can do so much for a person. Coming up to a year sober now and it has been life changing
Alcohol is also how I got fat.
Many types of drugs that influence people, sometimes it’s a physical drug, other times it’s a superficial drug
They censored the restaurant cuz it's Jones BBQ and Foot Massage
Underrated comment.
Jones goodass bbq and foot massage?
🎶 Jones BBQ and foot massaaaage!!🎶
IYKYK!😂
@@Bouch1018these kids are too young hahaha
After everyone lied about their relation to him in the family….the trust issues gotta be crazy
But trust issues wouldn’t explain away destructive, abusive spending habits on to-go food and waxing subscriptions
@@FlyingJ420it actually can
As someone that went through a similar situation and had to find out herself and not through her parents… ya yes it does
It’s pretty disgusting honestly. What were they even thinking
This happened to my husband, his Mom called and told him that she was pregnant before she met his Dad. Then hung up.
Everyone knew. We’ve sat across the dinner table from most of them at every event, reunion, dinner thanks giving ,Christmases for 2 decades. people who didn’t know hubby themselves , but have been friends with random family members his cousin knew. Everyone. We don’t bring our children around anyone who knew. It has made our circle smaller. But everything here in that circle can be trusted.
Those who have had late discovery bio parentage disclosed , now that person has no idea who they fit in the world, or the family, or themselves. It is like pulling the rug form under someone and expecting them not to fall. You never stop wondering what else they haven’t told you. It’s a terrible feeling.
I liked this guy. He was honest, he was humble, he’s just into some vices now and needs some structure and maybe a kick in the butt. I’m definitely rooting for him.
+1
Likeable guy, very human. I'm definitely rooting for him.
Agreed when he's ready to get some discipline and structure he's gonna take off definitely rooting for him
Agreed - Seems like a level-headed guy with a rough past. He's got past a lot of that it seems, now it's just the growing up part we all go through. Hoping he makes changes in his financial life!
Weird, because I felt the opposite. Of all the people I've seen on here, this guy ticked me off the most. He was devious and his answers to Caleb's questions were disingenuous at best. Put more plainly, I thought he was a liar.
It started with the $7,000 he borrowed from his parents. He was deliberately vague about what he did with it, no matter how much prodding Caleb did. He was openly dishonest about everything until Caleb figured some things out and called him on them directly.
I'm still confused as to why Caleb didn't call him on his obvious porn addiction. All those weird, misc streaming charges? Adult content and movie rentals. And we're not talking about rom coms, dramas or action films. At least not what the kind of action the rest of us are watching. Frankly, I wouldn't be at all surprised if he didn't blow the $7,000 on his favorite OF girl. Probably had some fantasy thing in his mind where he could throw a bunch of that money at her and she'd see him in person...
Between all those charges and his OF charges, his credit card balances would be halved. And yet, when Caleb prodded him about what all of the media/streaming charges were for, he let him just mumble some BS response. At first, I thought he was trying not to embarrass the guy, then I remembered we're talking Caleb here...
@Lucinda_Jackson he obviously struggles with porn addiction and it is very serious, but would you be super open and upfront about it if that was a problem you were dealing with? It's one of the most shamed things in society and Probably for good reason.
All those things you listed doesn't really make me dislike the guy any more, just makes me feel bad for him. Hopefully he gets help and beats that addiction because it honestly is singlehandedly ruining his life.
Caleb, I am officially debt free. When I started watching I owed $25,000 in credit card bills, and my credit store was 602.
Today I am debt free and my credit score is now 800.
All I did to make this happen was stopping buying stuff I didn't need. That's it. Nothing magical.
In theory, my savings account should grow at the rate I paid off my debt, and more.
Thank you!!!
WELL DONE!! Remember to up your investment %now that you have more available income without those min monthlys!!!
I'm trying to catch up with you. Sadly I was in a similar position as him. Severely underpaid(working applebees host, server, expo, togo, line Cook. Spent atleast 4 years in 2 separate times. Started 2018. Pandemic swapped line of work. And came back 2022...
Lots of pain and suffering but just gotta keep saying no I don't need that!! Amen to you paying it all off. Time to do more applications lol😅🙏🏼
Heyyy you give me hope! My credit score is 590 (which is UP from 460 ten years ago!!!)… I just gotta keep grinding. You (and Caleb) rawk!
👏🏻
You must be paying on a mortgage and car loan as well.😊
Stop going to bars and see how many of those friends you have
It's a breath of fresh air to have a guest that isn't behaving as if everything is a joke and that seems to get how screwed he is if he continues without any change.
It feels like he gave up, I hope him reaching out to help about this is him getting a handle back on things. He deserves to be here.
Life is a joke
A sick one actually.
Bro is getting underpaid and he’s one of their biggest customers
That’s why they don’t pay him: they know the money’s gonna come back to them anyway so they just cut out the middle man.
Honestly, he seems depressed. Through the laughs and smiles, he seems like hes hurting.
Not really, he's fat, underpaid and financially is the dump. It would be normal to sad in this situation.
Does that include a porn addiction?
@@deirdrekiely6187sometimes yeah. Depressed people can turn to addiction/addictive behaviours to cope. Porn and sex addiction is a thing 🤷♀️
@@deirdrekiely6187 It can actually I study mental and physical development btw
Aren't we all hurting? 😢
If you ever find yourself carrying a jar of smelling salts into a bar please reevaluate because you’ve lost the plot
Idk sounds like you don't know how to have fun /s
Bobby, are you from the UK?
@@slconstable if I were from the UK I wouldn’t call it smelling salts I would call it sniffy loopy wakey dust
Not only that, it's damaging to the soft tissue if it's used the way he's doing it. It's literally ammonia vapor.
@@nerored6235 exactly! I thought people were joking when I first saw the comments. I have Narcolepsy w/ Cataplexy and I'm in a few Narcolepsy groups/servers where it's a *joke* to use them as a last resort if meds aren't working or they're unavailable in someone's country. I have seen like 2 people say they actually use them that way - and everyone was like "hey don't do that." This feels like an "are the _____s okay" type of moment. Being so extra when you could just enjoy your health 💀
(I originally said "are the straights okay" thinking folks would understand I meant it's *like* that but disabled/abled people instead of gay/straight. I didn't want to say "abled" assuming he has no invisible disabilities. Point was from everything we know he seems okay enough to enjoy physical health and instead he's out here doing too much. Everyone can cool it).
Yo, as an executive chef, i always tell my sous the same thing, Dont drink at the bar.
It's so unprofessional dude, like you really dont have anything better to do on your day off? How are they sapposed to respect you when they see you half in the bag on your day off then come in the next day like you're this put together, boss?
They aren't your friends they are employees, its not your spot, its your work.
Yeah, my dad was a shift manager. He said he'd always go out, have one beer, and leave. The staff want to talk about you not to you.
I just commented about this. It’s so weird to me.
I'm not sure I've heard the term "half in the bag" before. I like it. Thank you for sharing that today.
@Draggonny yeah I go out for the odd special occasion, have 1 beer, buy the guys a round, bounce.
@Marly930 it's not that weird in the industry but it's definitely a faux pas for management to do. It's just awkward cuz the lines between friend and employee blur, you have a couple drink them walk into the back when you're a little loose and start chatting all of a sudden you say something stupid or have 1 too many and do something stupid or God forbid they have to cut you off, hard to come back from that
FINALLY a good financial audit that actually could help!
I saw him tearing up as the reality of his situation hit him. My dude you got this! Grind for a year or two, get the experience then swap jobs for a higher paying one and you’ll be sailing
Assistant to the GM...
😂
Yh thats how it works he's an assistant gm
😂😂😂
Very underrated comment
@@SooBlue931 Assistant to the GM.
Sounds like his job is the type that says we’re a “family” and that just means they’ll underpay you and make you feel like you can’t leave.
I know it’s hard to leave a job you’ve been at for a long time especially if you feel like you helped them grow. But you gotta get out of there, they do not care about you. They will replace you with someone else who’s okay with 48k in a week.
💯 “we’re a family” is code for we’re going to under pay you, and there’s going to be lots of drama.
No he’s had the shittiest upbringing I’ve ever heard and he’s probably considers it a betrayal to leave for greener pastures
My fiancés job lol
Sadly these type of places prey on guys with rough family history like him
This dude is genuinely pleasant amd genuinely broken/hurt too. And seems Caleb really liked him on a personal level. Definitely a refreshing episode based on the previous few. Hopefully this guy takes this wake up call and runs with it.
Grandparents pretending to be biological parents is surprisingly more common than I realize. I had 2 clients in that exact same situation
Really weird
Enabling shitty behavior. Lying is bad. Lying to a kid about their bio parents is gross and doesn't help anyone.
At least they told him at 10 years old I think that's a good age. So many wait until they're adults and they feel lied to and betrayed and go no contact.
My first husband's parents were his grandparents. His sister was his mother. His brothers were his uncles. His half-brother was recovered from the police after his sister/mother left him on a literal doorstep when he was an infant. 😂
@@ivana5618 They absolutely should go no contact and file for mental abuse.
A second job will not only get him out of debt faster, it will also give him less time to be out spending money at bars and at home paying to watch adult content.
Of course. But that's not what he wants 🤔
Porn*
thats the simple solution and its also the worst. i was at 10k in debt bc of poor choices, and worked 2 jobs while at school. now im not going to say what i used to help me get through all that lol but it took me 3 years to pay it all off (including all the interest i was accruing). i vowed to never get into that situation again if i could help it because it is literally not something i would wish on my worst enemy so i dont actually blame people for not wanting to do that. but at the same time, i think it is necessary if you want to actually start living a life again because ever since, i have never needed a second job because i learned from that
He might meet someone too
Pornhub free
As of yesterday, my husband and I have paid off $40K of high interest credit cards and IRS debt. We started in October and watching your show has been the weekly boost we need to keep focused. Thanks so much! Now we're gonna tackle the car and the house; should have it all paid off within 18 months if we stay on track! 🙌
18 months compared to decades. Go hard as hell and you'll be done! It becomes habit after a couple months. Sure you've noticed lol
@@k20z3keith7it's not real. If there income was that hight they paid off 40000 I in 7 months so circa six grand a month extra how did they get in credit card debt
@@k20z3keith7 Absolutely!
😂😂 you really called him out for not bringing you food
Fasting was a trend that needs to come back
A promise made should be kept. A man shouldn’t go back on his word
@@ZinoAmareespecially when its about food lol
I am credit card debt free! Over $18,000. I also have paid my car off from $40,000 to $17,500 in 12 months. So excited to focus on my financial freedom. Thanks Caleb. Truly.
He should sell the stuff in the storage room unless it is valuable stuff. In one year, he will have spent almost $1k.
I feel like he is severely underpaid for an assistant GM position. Would be good to work this for 6 months and then look elsewhere for a job that can pay more
They coulda pushed for 55-65 for that.
He has zero experience in the position. It's normal to get lowballed. He needs to get experience and then apply elsewhere.
He is, Natural Grocers assistant store manager is 60k with insane discounts and bonuses.
He absolutely is underpaid especially if this is a competitive well known BBQ place.
*Assistant to the GM
Hunter, you’re very brave for coming on the show and sharing your story. It must have been so confusing to learn about your biological mother at such a young age! I have complex ptsd from a very confusing (and abusive) childhood, so I can relate a lot to why you’re spending the way you are! Plus the pandemic was so hard for anyone with childhood trauma. 😢 I hope you can not only change your spending habits, but also feel empowered to work through some of your history with a trauma-informed therapist. I wish you the best! You got this! ❤❤❤❤❤
What a great comment
This needs to be top comment 🥰
He should bravely swallow his pride and tell the people who raised him that he squandered the money they gave him.
i like their dynamic, bro is humble and receptive, while taking the jokes
I’m telling you Caleb made a friend
This guy was every guy I was friends with in college. It actually breaks my heart to see him try to explain why he isnt moving to a new job. He's too confortable.
therapy for that experience he went through as a kid, can't begin to understand how impactful that must have been.
Just checking at 8am for my unpaid internship at hammer corp.
Good, I don't have to let you go today
Uhh I'm 25 minutes late. What's the late policy?
@ericblackburn3131 Being called a child consecutively.
@@Ericbombyou’re a child.
@@Ericbombchild
Yay my sweet treat
Sweet treat!
🤣From that episode earlier this week
It’s Friday, we deserve this sweet treat for breakfast 🤤
NOM NOM
Sweet treat! 😋
I love how the first 5 minutes was just Caleb being “hey you’re being severely underpaid for your position why are you working there” and dude cannot figure out what Caleb is telling him
He's working there to get the experience and references to go do the same job somewhere else for better money. That's often how career progression works nowadays.
It all depends on the restaurant also. It could be a fast food, barbecue place that would not pay as much as a sit down restaurant. You gotta compare salary to salary restaurant to restaurant. Nothing like Caleb trying to make him feel like a dumb shit for not getting more money.
You can be president or ceo of a nothing company and make no money. You can be an "assistant" to a "general manager" anywhere that has the title, and if the business isn't booming you won't be either. Titles are meaningless without something behind them
@@Draggonny he said he's doing it so he can get an underpaid GM position at the same company.
Tbf, keeping his foot in the door to get some experience in a GM role and then transfer somewhere else where he can take experience to get significantly better pay
I appreciate that you are encouraging guests to be more interactive by allowing them to share their perspectives on their finances! One idea I have is to provide guests with a sheet containing a pre-drawn circle. They can then fill in the percentages for BS Spending, Necessities, and Debt at the beginning of the show. Later, you can reveal the actual pie chart and compare it to their initial estimations. This could be done digitally as pre-work to allow for comparison when you reveal the actual spending.
“We have a warming device…”
Definitely what I’ll be calling my microwave and oven from now on.
My gf told me she now hears Caleb yelling at her because she knows buying coffee from dutch bros while she has cc debt is bad!
Yet she still does it?
Maybe you need to yell at her cause this is just dumb
tbh, that’s why i watch these. I hear Caleb’s voice when I want to spend a couple dollars here or there on bullshit
But Dutch Bros gives you free stickers!
@@mickylord21Hopefully he yells at her before making this woman his wife. Her financial issues become his if they share bank accounts and stuff.
Vaping and iPhones, the only two consistent factors for guests on this show.
and Door Dash
Nono, Caleb should be thanking Capital One atp for how many ppl they've sent his way via the quicksilver card. They're the real mvp of the show
I got a feeling the restaurant paying this low is run by the same kind of folks who would say noone wants to work anymore
It should be illegal for businesses to expand by not paying their employees a living wage. If you can't afford to pay managers enough to live on, YOU'RE NOT READY TO GROW THE BUSINESS!
Thank you for saying this!
Dude had like 2 OF charges but the title of the video made him seem like he spent 15K on it... terrible clickbait title.
Yep, welcome to the channel. It gets so old, every single title is like that, such exaggeration but "ItS oKaY WhEn wE Do It Bc It GeTs CliCkS..." (sarcasm font for anyone who doesn't know btw)
@@JA-vz1nlyou aren’t informed
thank you man.
@@JohnSmith-xj7uiwdym?
@@statomic they go over the thumbnail and title with the guests before the video goes live so it’s okay with them
This feels like one of those "managers" whose working 50 hrs a week to make 48k. That's 18/hr.
Any managers paid salary should be minimum 52k because of those hours and it at least makes them $1000 a week. Or just be strict about their hours but that never happens
I’m a basic manger in training rn, making 69k with a end year bonus, also 2 paid company vacations with a plus one
Yes. My son 's situation. He needs to make more $
He doesn’t earn enough money to work overtime with no comp
LOVE having the guest draw what they think they spent and then showing them what they actually spent 👏
Salary 48k.
Written as... Current Debt 48k 1 minute in lol
I will do your QC Caleb!
Good spot! I mostly listen to the shows without watching, but even then I sometimes spot on screen mistypes!
A sign of things to come I bet lol
They definitely need some. There's been a ton of editing mistakes lately.
@@CurlyWolf_ Lately? I feel since the beginning whoever does the editing does not have a great attention to detail. So many spelling mistakes, mix-ups, inconsistencies (eg: not every video having a debt counter). It's a little frustrating as a viewer :/
His mum was 22 when she gave birth to him, i was thinking she was gonna be like 13 or something, 22 is definitely old enough to raise your own damn kid.
There was a very quick "She was going to rehab". So she probably wasn't fit to be a mom.
21:38 he's been paying $66 a month for EYEBROWS??? it's like $8 to get them threaded at any threading salon😫
I spend like $5 to get my eyebrows waxed ... I'm gonna guess he gets more stuff waxes
@@jodimbrewerhe probably goes to a place that specializes in men. At least where I’m from a lot of those places don’t allow men to enter or get serviced
@@jodimbrewerHe’s definitely getting some additional manscaping done 😂
Caleb I just wanted to let you know I have paid off over $6k in debt in the last 2+ months and have about another $3k to go. I should be totally debt free after June! Thank you for you help, inspiration and screaming to make my (our) lives better 👍
🎉🎉🎉🎉 This is great!!
I feel like one of the best aspects of this show, as far as encouraging behavioral change, is making guests explain their strategies & mistakes out loud (maybe for the first time) to another person.
Hunter seems really open to feedback & change.
"I borrowed $7,000 to get out of debt".
🤔
Bless his heart
@@ShadowKiller71😂😂😂😂
He clearly is talking about Borrowing at 0% to pay debt that is 20%.
He said it silly but we all know what ues talking about.
Sad part is if he had just paid off a bunch of debts and didn't spend more, he'd be in a better position overall.
That $80/mos storage can quickly add up to more than the items in storage are worth.
Yeh withik a year
Back when I was a bartender (5 years ago) I went into very stupid debt ~50k between personal debt and a car. One reason was clearly immaturity, the other was being in that industry, I was drinking and partying all the time. This habit made me genuinely think the only fun thing to do was drink and party and all my decision making was incredibly short sighted. I literally cash advanced from an atm while I was drinking because I didnt have any money in my account. I was such an idiot. Since leaving that industry and working for myself in the health and wellness space, I will be dept free in 4 months.
Alcohol is literally the worst shit for humans in every way
Hi Caleb, I work professionally in the 401(k) industry so I keep up on the happenings of regulations and rule changes. You accepted an ad for capitalize at approximately the 53 minute mark. I want to make you aware that it was recently ruled that rolling over to an IRA is being challenged as always being good/fiduciary advice. As someone who works in the 401(k) industry this is impactful even for us when it comes to rollover IRAs and I meet with my internal ERISA counsel at work to discuss these changes. We have to re-evaluate force out procedures to ensure we don't land ourselves in a negative place. You may want to reconsider the ad for capitalize from strictly speaking a legal standpoint. I'd hate to see you guys run into trouble with possibly providing "bad fiduciary" advice via this ad. You and your legal team will know best, but wanted to make you aware
1. Caleb's not an advisor and not a fiduciary
2. It's legal now, and most people don't incur enough personal liability to worry about ERISA protection.
3. People forgetting about an old 401k is a huge and real risk that affect thousands
@@arh1234 while you're correct, anyone could sue anyone for providing any sort of financial advice. Caleb has done a great job walking a fine line in the past, but as his business is growing there are tons of unscrupulous attorneys looking for any pay day. Even if those suites fail it takes a lot of time and heartache. This was meant more as a good faith effort to educate a UA-camr I personally enjoy about something that could land one in hot water.
@@arh1234yep
“Can…can noah do it in the post show ?” 💀💀 bro went STRAIGHT TO THE POINT💀
ALways throwing Noah under the bus lmao
Glad he recognized that he is solely responsible for his financial decisions. Not his family. Refreshing!
My wife and I have gotten rid of 3 CCs since starting to watch you brother, I owe a lot to you, you helped get me on the journey of understanding personal finance. Started tracking every dollar and budgeting. My credit score has gone up 41 points this month alone.
I've paid $5300 into my CCs so far this year and I only make $40K. It's been tough but this show is genuinely saving my future.
Just paid off the last of my debt on Saturday. I have a 6-month emergency fund, and I'm working on saving up for a new (to me) vehicle after setting aside 20% of my net pay for retirement.
Thanks for the motivation. I've been following since pre 25K subs.
Boom 💥 nice freaking job man. I've been subscribed since before 50k and my life has done a 180 since then. Zero debt, two paid off cars, 20k in a high yield, max Roth, and use my CC as a debut card paid off in full every month. Good job bud!
🎉🎉🎉🎉 WHOO HOOO!!
@k20z3keith7 it's a grind, but that feeling of relief when you hit the debt free with 6 months e-fund is an adrenaline rush ... wish I had done it sooner. Caleb's show motivated me to get a better paying job within my industry. I didn't realize how under paid I was until I started looking. Got a nearly 40% pay increase and the workplace isn't hostile/abusive.
@@UpChuckCanuck Sweet. Looks like everything is coming together. I know that rush you're talking about. On payday for example, every week I barely have my eyes open in the morning and I'm transferring 300 into my high yield and 125 in the IRA. My expenses are low so I'm Saving at least 40% of my check and still have fun once in a while. The stress is so minimal now. It's gets to the point where we can buy anything we want and not have to worry about it. I started at 28 amd wish it was sooner but there's so much time left. Only took less than 18 months to get where I'm at. It's becomes habit as you know. Good habits or bad, we have to choose amd vices are hard, but one at a time is the way to go and finances should be tackled first imo.
Lol Caleb flipped him off for not fulfilling his promise of bringing BBQ
I died laughing 😆 😂
Followed by the tummy grab and jiggle 🤣🤣
U cant go back ur on that kind of promise 😂
I hope the next episode 15 restaurants send him and the crew BBQ. 😂
😂😂😂
I like this new thumbnail style. Some of the old ones were good, but some were very bad. These are more consistently good, even if they never reach the heights of the best old ones.
Some of the over the top edits were pretty cringe. Young Christian couple where he mad dude look like an evil puppet as a cringe example.
sooo much agree, i almost didn't watch this guy bc of the overdone acne in one
True, the other thumbnails were way too much. It made the channel look like those clickbait channels
nah give me the wild thumbnails
At least he stopped morphing his guests' faces like the Black Hole Sun music video.
I like that you changed pie charts to bar charts given the last guest’s feedback. I appreciate it as a data analyst, he was so right
I love that he’s making them do little activities with this now! Lol I think it does kind of make the guests more interactive with there finances in a more fun way ❤️
Haven't finish watching the whole thing but big ups to him for talking so openly about his family, must have been difficult.
I honestly felt really bad for the guy. That's a messed up family situation.
I'm surprised he is at least outwardly appears to be put together.
This dude is wildly underpaid
Edit: He is also an alcoholic
He’s paid to much
Edit is correct tho
He needs to stop drinking, it will make the rest of the journey so much easier
That awkward moment when you borrow money to take care of the debt but forgot to change your behavior in the process
For anyone wondering about the smelling salts, they can cause damage with constant or improper usage such as ammonia burns to the nasal passage or even lungs. Using them as this guest says is wild to me.
I’m SO glad someone mentioned this!! Accurate. Smelling salts are NOT meant to be an everyday thing.
Thanks for reminding me... I have to cancel my JCPenney card. Using the credit card NOT the department store card. It's a Synchrony company! KILLS you in interest!
Situations like this is why a lot of people in the financial world like Ramsay and others don't recommend bankruptcy and consolidation loans because it never changes the behavior and a lot of people just end right back up in the same place If not worse after the bankruptcy or loan
Caleb has a way of making me change my spending/saving habits and I almost never take advice from people on the Internet. Way to get to me Caleb 😂😂😂😂🎉🎉🎉🎉
Lmao sammeee started packing lunches to work no longer going out to eat. Focusing on paying off my cc’s asap
He releases a video the same day every week that i do cardio…takes my mind off the pain while I’m “running”
Me w stairmaster😭💀
Bro I also run on the treadmill watching Caleb!
WTF his Dad was the CEO of Montgomery Ward? They were making like 10 million a year BACK IN THE LATE 1800s.....Just think about that. Thats equal to making $350 million a year today. They were massive back then. There was a whole thing where the actual US Army seized the company's headquarters cause like 12k people were on strike and the CEO refused to settle with the workers after the PRESIDENT asked him to. This was during a war and the strike caused issues with shipping goods. IMO pretty interesting backstory to that company. So random this kids Dad was a CEO there at one point.
Sooo...I'm not sure that part of his story was true. None of the former CEOs of MW(who are still alive) live in Texas. (Living in Chicago area, where former MW HQ was, we used to hear the specific CEO names often in the news.) Also, were his parents in that stratosphere of wealth (multi-millions per yr) doubt they'd allow their son(grandson) drive around in a shitbox Camry.
I wish the producers would push back on some of the stories the guests tell.
FINALLY. Someone receptive and not completely delusional. I enjoyed listening to this episode. I think he’s got this! 💪🏽💪🏽
"I had to spend $3500 getting my car fixed. So I had to get it towed...."
To fucking Japan apparently 💀
He might as well come back from Japan with an actual reliable car lmaooo
Caleb's HANDWRITING 😭✋🏻 my man needs to take a calligraphy class
Bro, listen to your fellow bro here, you need to get into a routine of going to the gym, reading, taking free online classes, meal prepping, and overall, focusing on making your life better. This job seems to perpetuate your bad habits and is not a good environment for you. If I were you, I’d start looking for a new gig. You got new owners and you don’t owe them anything. Your position demands more money. Best of luck to you.
Yeah he is the bar bro, and it seems like bars are all his life. No other aspirations.
EVERY choice, purchase, and decision is a dopamine hit for him
This! He’s got addictive tendencies. Hope he figures this all out soon.
Honestly yes but with ADHD, our brains literally don’t make the right amount of dopamine… so it’s not 100% on him. He needs a good dr.
Caleb, I think the markers are a great idea! Makes them confront their decisions to spend because they are not reviewing their statements! Most people don’t realize how fast 10-20 transactions will add up
Caleb, I’m making what feels like small progress but it’s progress- I have paid off a good portion of my Affirm loans, and all of my pay in 4s, along with a home improvement loan and and I’m saving what feels like a mere $85 a month now. However, this morning as soon as my paycheck hit and I clicked all those “pay off your balance” buttons, I heard your voice saying “It’s progress, keep going for a better future for yourself” and it kept me motivated. I have a dirt cheap mortgage (bought for $60k, 4 years ago) that I can most definitely pay off within half the time if I pay off all this consumer crap and keep grinding. And wanting to live for the future vs now (it’s a process) Thank you for all you do Caleb! I will say because the mortgage is super cheap it did allow me to go overboard with consumer unfortunately, along with a lot of improvements with the house overall.
Consider the interest rate on your mortgage. 4 years ago it might be 3-4%. After you pay off your consumer debt it might be better to start investing and getting 8-10% in the market over paying off your small mortgage.
@@exqueue3813 It’s at 3.6%, I’m just considering paying off the mortgage early because honestly I am the first in my family to be a homeowner and nothing would make me feel more secure and stable in life than having a house fully paid for. I am looking at upping my 401k contributions and adding a few more investments eventually, however for 401k I’m already at my employer’s 100% match.
That's incredible. You got this!
Actually a genuine guy who takes responsibility. Good episode so far.
Oh man, the trauma and shame of this poor dude. I feel ya man, hope you get some help to work through that stuff.
The majority of people who come on this show buy often from gas stations. I can't remember the last time I bought anything from a gas station
bro you commented 3 times. we get your grievances lol but just condense it into one. come on now 😭 sound like a boomer
I love that the abbreviation DFW is actually one more syllable than Dallas Fort Worth.
lmao and the confusion to clarify AGM took up more time than just saying the title
I’ve paid off 2.5k of debt in 6 months, saved 5k in an HYSA emergency fund, have a zero based bucket budget, and this year my Roth is already maxed out!! I make very little income rn as I’m starting a career in natural resources and climate solutions, but by budgeting and having a plan and doing some side work, I’ve been able to make stellar progress! Thanks Caleb- I always think “taquitos” when I want to buy something stupid. It’s even a category in my budget (bought from you) so I can see if I ever make stupid decisions. (And I’m proud to say, it’s very little)
Where do I setup a Roth?
@@283be88I use Fidelity for my Roth
🎉🎉🎉🎉Awesome!!
Great job🎉🎉. Woot woot! Way to go
@@283be88 i set up mine through Fidelity
That would be crazy to find out your oldest sister is actually your mom.
4 credit cards and 1 loan paid off. Car paid off in 2 more months and 2 more loans to go. Gone from owing £38k to £27k since January. This shit is so hard, but future me will be so thankful I've sacrificed! This show has been a lifesaver even if it doesn't directly translate to here in the UK!
The pensions and brand names are different but the financial principles are universal.
Great effort keep going
His company sounds like they screwed him over by giving him AGM responsibilities without paying him as an AGM. The company even gets back some of their money with this guy spending a lot of his off time at work. They really got him good. 😂
“That’s insane. Can Noah do it in the post show?”🤣
The neck scratch zoom in was mischievous and i love it
I really think having the guests fill out a bar chart or highlight purchases is a good way of getting that wake up call to really sink in.
I feel bad for his guy. Super nice and seemingly hard-working, but an absolute idiot and naive.
A print out of a picture that was screenshotted and put into notes is crazy lol
I'd suggest telling his parents. At some point soon they're going to start asking where the money is and he's just going to be like, "uhh...........", so I'd recommend telling them and getting it over with. It's a crappy situation but hiding it is only going to make things worse.
This dude is the king of complicated answers.
“How is your relationship with your parents?”
“Well my mom is actually my sister…”
“Are they retired?”
“Before the dawn of time there was a department store…”
"Why did you take a cash advance?"
"Oh that's when I had to send some money over... For a bill... Or to pay someone for a bill... It was to pay off partial rent where I sent it to them and they sent it back to me."
"Why do you have a storage unit?"
"I'm renting out a room so I put the washer and dryer there."
"Spotify again? Why do you have two Spotify subscriptions?"
"Oh, that's the Duo thing. Where you can share."
"Who are you sharing with?!"
"Uh, myself."
To be fair, this guys relationship with his family is absolutely complicated
To be fair in the AGM part at the beginning he did say "an AGM", not "AGM" or "a GM"
“Montgomery Ward is the OG” is a phrase I never expected
It's true though, back in those days.
Yes, I would never expect normal people to use ghetto speak like that but here we are.
@@williamrockwell9705 As opposed to all of the decades of slang you think came from Oxford?
@@williamrockwell9705 ah yes this very normal well adjusted man. Unless normal just means white and ghetto speak just means slang black people use
I worked in M.W. right as it disappeared. I had fun there.
$60 a month for a wax pass and you are only using it on your eyebrows?! Here I am over here with a barber kit ($40) and haven’t paid for a haircut in a decade.
Thank you for your show. I'm 35 years old and only been the provider for the house since I was in my early 20s. I love the way you cut the BS and get to the point. It has made me sit and make a budget stop spending BS and start cleaning up debt. Thank you for the people who also needed this wakeup call because I needed too.
Im proud to say since i started watching financial audit my whole financial situation has flipped upside down. I paid off $5500 in credit card debt and saved up $2400 in the process. I am no longer wasting money on taquitos and bullshit spending. Never realized how much money i was burning through for no reason
Isnt it crazy??? I made $5 LESS per hour than when i was spending money like an absolute tool.... i cant even fathom wasting it now that my eyes have been opened. Congrats to you!!
@nintendobunz it's insane. I've been making $35 000 plus a year for the last 3 years and this is the first time I have a decent chunk of change in my savings (+5000 in rrsps)
Good effort
My sweet treat for the holiday weekend!
yum yum!
@@CalebHammersimp
I would be legitimately upset if someone promised me meat and didn't deliver.
Hunter, as so many have said before it is so refreshing to see someone on the show that is very open to learning and taking accountability. I hope you get the help you need and deserve to heal so you can have a happy life ❤