Sign Up Now for live online protection and privacy using my link: aura.com/hammer ! Click this link j.moomoo.com/00Bn5Z to get a "Mag 7" fractional share bundle for deposits or 1.5% Cash Reward match ($300 max) on transfers. We debate the continued POTENTIAL scummy behavior of used car salesmen, such as himself, in today's post-show! ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
@@jamesgaines6468 I think it was more that he should be aware of just how much he is overpaying / losing with such a high interest rate as he is a sale person.
@@DavidAno-gk7dsHe probably is of the mindset he has to look like a successful car salesman to sell more cars. A lot of salesmen live by that motto in more than just automotive sales.
I would projectile vomit all day, every day if this were my finance’s. He is so ignorant, he doesn’t understand the position he is in. I wonder how many Americans live like this.
As a former car salesman, when i hear "honestly," I love to stop a sales conversation with "Were you not being honest earlier?" Instantly get what you want.
I disagree. This guy was waaay too delusional and lax about EVERYTHING. I was done with him when he kept trying tif defend the damn watch. The I near hated him when he was defending his rent!
I used to work at a dealership as cleaner and I’m almost certain some of the salesmen single handily put families into poverty from up-selling new cars. They were the nastiest-greasiest humans alive.
Cars should be treated like houses. It's very rare to build your own house, almost everybody buys one already built. Which is basically buying used instead of new. The exception is probably condos where new constructions may be bought slightly more often but still not more than "used". But car dealerships would fucking riot if that were the case 😂
I had to buy a car recently, and I said they had to match the msrp from the actual manufacturers website and not upcharge me (it's happening to many dealerships now) and they didn't. So positive experience there. Good dealership - didnt try to sell me other things, I knew what I wanted car wise, what I wanted to spend and negotiated as well, but it should be a crime to go through a third party just to order a car - absolutely ridiculous and a round about way to do it. Not all countries even follow it either so good for them. We should just rid of the middle man in most situations.
When my wife and I where looking at new cars, they'd try to sell us cars we didn't even want or unsure if we even wanted them. Even better I stated it's going to be her daily driver not mine and kept talking to me about the car. I told them the only things I care about is if she likes it and is reliable. I'm no car expert, just an enthusiast, and knew generally more about the cars than they did.
I don't care for salesmen in general, but the people buying things have the responsibility to do research and know how financing works because they are the ones choosing to sign for the loans. If you are willing to overpay for a car at high interest for long terms.....well......that's not the fault of the salesman.
@@utubeisajoke I'm not offended or anything, just thought it was hilarious, but the hilarity lies in a white man asking that to a man who is likely the descendent of slaves.
“The wealthy are quiet. The poor are flashy” Sell the Benz and break that lease. Single dude with no kids should not have such a big place. He makes great income. If he cleans it up, he’ll be set.
He makes decent income not great, and his mindset and decisions are ASS. I’m willing to bet by the time he’s 30 he’ll be in the same situation but most likely worse
Being a car salesman and having crappy finances is one thing. Being a car salesman and not keeping track of how much you have coming in because you don’t want to “dampen the mood” is just crazy. By not knowing what’s coming in you can’t effectively manage your finances, insanity.
Car sales is a job where lifestyle inflation is RAMPANT. It's an extremely low barrier for entry with potential to make a healthy income without having to climb the ladder. I was only ever a tech, but the shit I'd hear from guys in the showroom was insane. Six figure credit card debt, gambling all their money away, all kinds of drug habit moneypits. These people are literally a few missed sales away from losing everything at any given moment. Oh and there's always a handful of them that are all married and fucking each other.
I don’t know why this guy keeps saying clientele people come in like once every five years to buy a car that’s not clientele that’s just a person who comes in to buy a car!!!!!
As a previous car salesman you will be surprise how many come in to see a car and a month later comeback and buy it. As long as you reach out to them you can consistently have several ppl coming in.
A lot of people still refer their friends, parents, kids, etc to a dealership that they feel great about, or a salesperson. I've known several families that had a salesperson that every single one of them went to when they needed new cars. Not to mention the individuals that get underwater on a car and then trade it in for a worse loan a year later.
Idk I have a few customers that love me that have bought 2-3 cars with in months and I’ve made a decent commission of them and they know they will say I know you guys have to get paid , the. They stop by and bring me a bottle of liquor or give me a gift card to a restaurant etc, then you have the unrealistic customers that haggle you to the point where you are not making any gross profit in the car yet they think you are ripping them off and will burn you on the survey, AND will give you headaches after the sale is done.
No he’s valid on this. It takes a while to build up clientele. Meaning he sells cars to certain people and if he does a good job those people will refer their friends to him. He also sells higher end cars, so he’s selling to richer people that will be more likely to buy a new car more often. There’s a reason Caleb didn’t push back on that when he said it. Caleb’s been in sales too.
Smh a lot of business require a business phone so you don't mix personal with business. That's literally a thing. Mainly blue collars and CEOs but sales people definitely.
@@Ball.Daily11Can you specify whats racist about it or are you just gonna continue to pout like a 4 year old in every comment you have made on this video
Ding ding ding! I wish I could upvote you more. This is exactly what keeps people broke. Thanks, now I'm going to watch Fight Club just to hear "You're not your job. You're not how much money you have in the bank. You're not the car you drive. You're not the contents of your wallet. You're not your fucking khakis. You're the all-singing, all-dancing crap of the world."
Caleb, one note when you’re actually going over budget and plan. Slow down. A lot of these guys have never even seen a budget before. I imagine it’s completely overwhelming to see something so new so fast
Hey you know these talks are recorded and uploaded to UA-cam. So whenever you/they miss something you can aways rewind it. They also have a button that slows the speed of the video down. Screenshots are a good tool too. Stop making excuses for these people
As of today, I've cleared 30% of my debt, set up a 2k emergency fund, have over 10k in retirement, and moved all remaining debt to my lowest interest credit card and haven't used the others in months. Thank you Caleb
Keep on that grind! It's unbelievable how much of a difference in my life a fully funded emergency fund made. Coming up on my wedding and my car broke down. No stress whatsoever. Got it fixed and just kept on keeping on. Emergency fund back to fully funded and I'm back on track to finish paying for this wedding.
Congratulations! I’ve paid off one high interest credit card since starting to watch this channel. Plans to get as much paid off by EOY as possible. ❤🎉
@topwomble you realize how much money you have when you say NO and bring the sandwiches to work lol. I had an insurance pay out and a nice bonus and taxes threw it all on it. ❤
I’ve been working on getting my finances in order even harder since watching your videos this year. I’m a teacher and just picked up a part time job at Walmart! I don’t plan on dying on their floor though!!
I’m so glad I found this channel, I decided to pay off my 15k of student loans left and 4k of my car left this past Wednesday so I don’t have to worry about it anymore and be able to contribute more money towards retirement and my future house. Thank you Caleb, you really are changing the world.
As a college student who took out a private loan with a death interest rate my first year, this channel has been a godsend on how to budget and manage my finances responsibly.
Usually I understand where Caleb is coming from in his yelling and criticism, but this episodes vibe was completely off. Idk if it was just because the guy was a car salesman or if there was something that happened before the episode started, but from the very beginning of this episode it felt like Caleb had given up and genuinely disliked this guy. Not the best episode in my opinion.
@@odysseyraven5930I think his comment is describing Caleb’s character as a whole, and yes he doesn’t seem to have much respect or compassion for people on his show, it’s becoming. More gimmicky and sex driven, plus autism is not a laughing matter, I get it if someone is an idiot on your staff but autism itself is not funny and this dude constantly mocks people making a voice that many would say is symbolic of a person with intellectual disabilities, this guy lacks in character
@@drewonthebassyou clearly don't get the joke. The joke isn't that someone has autism. It's that he thought someone had autism, but they don't. So now it's a running joke that "Noah has autism". If you're new and don't understand the show just say that instead of jumping to conclusions.
@@HH-le1vi you’re the one jumping to conclusions actually, go count how many of the recent episodes include sex talk or only fans lmao I get the joke, I’m saying that the joke isn’t funny because it makes people with autism less than, as in it’s funny because your less than type vibe for example replace I thought he was autistic with I thought he was gay. Is it still funny? If not then the joke probably wasn’t either
Caleb, I’m a high school social studies teacher and your show/guests inspired me to teach a new state mandated personal finance course next year. I’m trying to limit the people that say “they don’t teach you that in school”.
Yeah I enjoy this show but you guys seriously have to tone it down on the cringy thumbnails and disrespect of the guests. What really got me hooked on Financial Audits was seeing relatively normal people get into difficult situations that Caleb would help guide them out of and give hope to. The early episodes of this show taught me so much about personal finances and savings strategies, but I haven’t learned a thing at all in the last 20 episodes because the focus now seems to be bringing on the most absurd guests who are too delusional or insincere to want to get better. Please please please stop it with the cringy thumbnails and memes and go back to educating your guests and your audiences.
@10:00 I feel like of ALL the people that they have interviewed, it felt weird that they were questioning him so intensely on if he was there for clout. Like you have had hundreds of people that come there that were in worse debt it just seemed odd to stop the show to call him out on that
I don’t doubt that he truly thinks he’s helping people by giving them these predatory car loans. He has no idea that his own loans are bad so grandma getting approved at 18% really does bring a smile to his face. It’s insanity.
Same. I bought a car a few months ago and when they brought me the paper with monthly payments, first thing I said was what's that rate because eyeballing it looked high. He couldn't tell me. I had to calculate it myself and realized it was near 15%, even though my wife and I both have 760+ scores. Had to push to get it more in line with what I've seen advertised with online with banks for a used car. I absolutely dispise how untransparent they are with financing until you're signing papers 4 hours into it and you just want to leave.
@@flyingbadger1759sounds like a shady car dealership. If they don’t run your ssn it’s all a guess. Most banks make dealers mark up rate at least 2 points. Banks also run books on cars before they loan money - profit in car , profit from financing , profit from service , profit from selling warranties. Fyi Your banker still marks up the rate even if you go to them lmao it’s business
I've said it before and I'm saying it again, it boggles my mind when people are confused by what you mean when you ask them how much they make. Also, Caleb, I think you need to take a little vacation. You're beginning to vibrate within the first 3 minutes. Don't worry, we'll all be here when you get back.
When guests 100% do not understand what is wrong maybe one approach would be to explain what a healthy budget looks like to explain where their budget could be. Maybe they’ll see it?
I'm definitely starting to hear the change in personality and conversations asking the guy if he graduated high school. Basically insulting his intelligence. Bashing his car. Since when do you care about cars? It was always a way to get around not really loving this direction, I've watched every single show, but being insulting to people because of their lifestyle not their financial choices, as well as having on pornstars to discuss their Millions is really starting to turn me off
His lifestyle IS his financial choices. Cars, an apartment he can't afford, watch and brand name clothes he can't afford. His lifestyle is ostentation while drowning in debt.
My strategy dealing with car salesman is browse online, get pre-approvaled through my credit union, negotiate over the phone, and work out the entire deal and have it in writing via email before I even set foot at the dealership. This has worked for me the last four cars I've purchased from dealerships and I only spend about an hour there.
Why is Caleb already digging into this guy? I’m 6 minutes in and we’re already yelling. I understand if you get frustrated after you’ve said the same thing 2-3 times before and they’re not listening, but this guy is literally coming to Caleb for help. Assuming he doesn’t know better, the yelling and condescension is not helpful. I think Caleb is burnt out and needs to take a breath. These are people.
The condenscending remarks are crazy. IMO he saw his high views in Tiktok (which generates income) so now he's fishing for viral screamy content where as before the content for short Tiktok clips just came naturally /: His responses in this video seem too forced and aggressive /: I just watched the video of the nurse before this and he was so calm with her and didn't question her calmness, but here we are really digging into Buddy /:
Tough love. This guy throughout the episode showed an unwillingness to accept simple fixes he could make to fix his situation. If being gentle doesn’t work, hopefully being tough does.
Instant gratification and zero discipline is the biggest problem for young adults these days. Social media constantly shows them ppl their age doing the best and they think that’s what life is supposed to be smh
@@lostipod12 The difference is that today they have social media so instead of waking up one day and realizing they need to shape up they blame everyone else for "taking advantage of them" and continue to behave like children.
there’s been car salesmen* on this show before if i’m not mistaken. i’m not through the backlog yet but i’ve never seen a guest treated so disrespectfully, out of the gate, and then nearly continuously afterward, 35 minutes in and i can’t imagine how awful it is going to be when i look at the remaining time. nathan so far in my watch has been completely respectful , my heart goes out to him. this misses the mark for me and most likely others.
I agree. Caleb was noticeably hostile right off the bat. The comment about his education level also rubbed me the wrong way. I feel like Caleb's gotten the whole "Caleb Springer" persona idea stuck in head and has been especially mean or rude to guests lately.
the micro aggressions are out of this world. Good, well, who cares!! you know what he means. the slavery comment. constantly poking at his job when caleb has also worked sales? this is the society we live in- he’s working, should he leave his job to work a more “acceptable” one? I would’ve walked out of this , it’s one thing to tell hard truth , but it’s another to belittle someone coming to you for assistance- you have to meet people at their level. Any points to be made , wouldn’t matter to me after that continued level of hostility and i hope the guest was able to get something out of this. It speaks to his character he continues to be a good sport about the audit.
@@tewlott Lmao this lad has literally ruined his life, he doesn't deserve respect because he can't even grasp the situation he has gotten himself into. You really fail to grasp that this person requires a wake up call and not to be cuddled. If you walked off because the person you came to get help from is cussing you out for running yourself into poverty you are a incredibly stupid person.
I agree. It honestly offended me the way this guest was being treated. He kept an open mind and smile on his face but I can only imagine he was uncomfortable being yelled at for the entire interview.
When he said “he knows he’ll bounce back” after his financial decisions, it really gave me an idea that you should look into, Caleb. I think you should start a series with people who have lost it all and still struggling to get back on their feet. I think we need more stories like this to try to keep waking up our society that our poor decisions will indeed make us poor.
I hope Caleb and the team listen to the constructive criticism. This episode was not it.... I felt bad for the guest the entire time, Caleb was just insulting and blatantly condescending. I'm gonna give it some time but if the content continues the way it is I can't support it.
This may not be the channel for you bub. That's like telling Gordon ramsay he's too condescending. If there's something wrong he's gonna call it out without a sugar coat.
8 mins after posting, and I can tell this is going to be mind blowing 🤯. Caleb you a real one for being able to do this. I do appreciate your advice and it has helped me look at finances way more closely.
I’ve been a long time listener of the show and I have to agree with most of the comments, the last few episodes have definitely taken a turn. Caleb feels burnt out and coming in too upset and disrespectful to the guests. Feels less of an audit and just a roasting show. Not very helpful to the guest or the viewers.
I think this gets better views though, so may not be as valuable for the folks on the show but more valuable for the direction and the success of the UA-cam channel
Im not gonna lie… i kinda wish caleb spent more time educating people on why certain choices or beliefs about money are irresponsible. For example, instead of just roasting them about how high an interest rate is, do the math for the term of the loan and tell them how much money is being thrown away to interest. Help them realize what about their choices are unwise. Maybe some people do better with the whole tough love thing, but i feel like giving more eduction and freeing them of ignorance may empower them more (and teach us that are watching). Some of this information is totally foreign to people and they need a good foundation to build upon. Im sure its in the budgeting class online but it would probably help viewers understand as well. ❤
Agreed. I think most people are unaware of the math and, no matter how much the loan documents spoon feed this information, people won’t understand until they see the comparison.
Caleb unfortunately slavery does exist in America today, through human trafficking, prostitution, and corruption. Just to name a few but major examples.
If we are going to go the dramatic route, can we have a co-host that will give some educational information? These people dont just need to be berated. They need education. You can't educate through insults.
When he told him he failed at his job and that's why he was making less money, that made me sad ): how about kudos to him for realizing he needed to leave a toxic work environment
The show has an extended informed consent process so the people know exactly what they are signing up for. During the post show they actually do more educative work. All guests also get access to his personal finance/budgeting course for free. They get educated. The purpose of these videos is for people to become aware of their bad habits.
@@TSPage I have been watching these for a while now, I have probably seen almost all of them. The last few episodes before this one, I was becoming increasingly frustrated with the way in which they were approaching these guests. I felt that education was giving way to so called "entertainment". Although the amped up angry Caleb shtick is getting a little old now. They claim to want to help the viewers, but you can gain little from watching someone being shouted at for the best half of an hour. At points some guests were visible confused and they made no attempt to help them understand in the moment, which also leaves the viewers none the wiser. I understand the metamorphosis taking place on this channel, they've got to make it entertaining to get views, I just hope they don't lose their original ethos.
@@rachs86782Agreed, this show is suffering from Caleb's childishness. I have no doubt he believes he gets more views that way - and he's probably right. But it's a shame. I like seeing the interviews, but Caleb looking for excuses to make angry moments to clip for tiktok is ruining it. It's so over the top.
there's been a few sponsorships recently that seem so incredibly superfluous or just not at all related to the content -- he did one for an injury law firm like...
As someone who also did well in history and English, I don’t see the point in correcting people to use well instead of good as an adjective for their performance. We understand what they’re saying and language is a tool that evolves.
Caleb, I was about to sell my car and upgrade to a Tesla, I was thinking how it’d cost me a check to pay for the loan and insurance and then I thought about everyone on this show and changed my mind. Ain’t nothing wrong with my Honda civic🤣
Good news is if it only takes one check to bridge the gap in your finances to go from Honda to Tesla imagine the level of savings and investments you can build in 6 months! If you still want it after building a better position until November go ahead and get it
Moving into my first place with my son and your show has been my motivation the past couple months to lock in and budget. Now Im moving in with everything I need and will be comfortable!! Thank you Caleb 🙌🏼
Tesla drivers are like guys with toupees: they think they look great and everyone is impressed, but everyone is just having a laugh at them behind their back.
@@Semi_Successful Dunning Kruger effect. It’s actually kinda been debunked but the idea behind it still makes sense. Stupid people overestimate their knowledge skills abilities and what there is to know about the subject at hand. Smarter people underestimate their knowledge skills and abilities due in part to their knowledge of the vastness of the subject at hand
In the future, I think if would be better to ask someone what their level of education is instead of asking them if they graduated high school. Asking if they graduated hs kind of implies that you view them as uneducated or dumb. It can reeeaally humiliate someone and bring them down.
26:30 as a 2015 Chrysler 200 owner, this is a surprising amount of vitriol. Mine is at 112k miles and has only ever had a bad engine temperature sensor that was a $25 fix. I worked for Enterprise Rent-a-Car as a college job in 2015/2016 and all of the fleet Chrylser 200s ran flawlessly. It was the Fords and Hyundais that kept having serious issues.
Tesla isn't really a crazy luxury car anymore. It's basically a Camry at this point as far as cost of ownership for most models. Ya you can get a roadster I guess
Typical. Has to floss to look a part; $2250/rent, $500 watch, Mercedes Benz 250, designer jeans, 24% interest rate on a car he’s almost DOUBLE the VALUE in underwater…. Even his excuses aren’t original. Why did he come since he can turn all this around?
Yup all flash, zero substance. People, like this think that their worth is based on how rich other people think they are. His whole life revolves around other people thinking he has money.
The point has to get across. Otherwise the guest came there for nothing and they still won’t make the necessary changes in their life to save themselves.
I work a high stress job helping people in very intense situations.. exhaustion and compassion fatigue are well understood in my industry. I understand caleb wants to keep the momentum up. But you cannot help others unless you take care of yourself too Caleb. The last few videos you seem to be more aggitated and restless. Please look at your supoorts and consider taking a break. You are a person in this world and you matter.
I wish they would at least pick some responsible people every once in a while. I think it would be very useful for people to see how an average person who is smart with money deals with their money and investments. Also, Caleb would be way less stressed.
The channel has definitely taken a turn ever since Caleb brought on employees to help produce episodes. Getting help for channel growth is great, but I think they're actively steering the show away from its original vision and that should be addressed immediately.
I make six figures but still refuse to pay a lot in rent. I’m literally renting a tiny one bedroom in a meh part of town for $1,200 lol. I could afford more but refuse to go into debt to live in a nice place.
There's really no reason to go ham on housing. Live with the least you can. Paying $2500+ when you could pay $1200 would be stupid. Unless the $1200 is really just a dump and you're on danger
I'm a nurse and my rent is $550 and that includes utilities. I'm the only professional living in my building. I also work 50+ hours a week in another city. Why pay crazy rent when I'm only home long enough to shower, sleep, clean, and meal prep? It's an old vintage building (1926) but I have everything I need.
The third time he got the "good/well" wrong, I could see Caleb giving up... The dude did not even understand that Caleb was correcting him; he didn't realize he was making a mistake :(
How do ppl believe that they are building credit by maxing out cards and not paying the balance. How does it not compute that a 25% interest means that it costs you 125 dollars to spend 100. I just can't
When I taught high schoolers finances I built a visual I forget the exact interest rate I put in (between 20-25%) for the average credit card rate. According to a compound interest calculator $1 at age 18 left unpaid on a credit card compounds to over $70k at 65. A small McDonald's soda left on a credit card would lead to you owing an experienced McDonald's store manager's entire salary. That same dollar on the average rate of a payday loan leads to every atom in your body owing a penny to the payday lender at 65
@@thebosshouse Compound interest cannot be understood intuitively by average / below-average IQ (the former should get it with some effort, the latter... good luck!). I wish I was joking, but it's very clear that the great majority of these guests are simply not very smart.
You should bring on people that "have their shit together" and talk about what strategies they are doing. I think it would put in a little variety and give a good example for people that watch the show. It's nice to hear what to do but it would be cool to see the results.
Well friends, it's been real. I've officially UNSUBSCRIBED from this channel as I simply don't find this content palatable or helpful anymore. I used to watch this show for inspiration and motivation- now it's just cringe and I can't help but wonder what happened. Did the money, fame and UA-cam clout come on too fast? After the dehumanizing sexual comments made to the mother of 5 a few episodes back, and now this episode- questioning someone's intelligence when they're there for help, has pushed me beyond and desire to continue to support this channel. Caleb, I used to tell everyone I could about your channel, and now I can't even make it past 10-15 minutes of your episodes. You've officially lost a long-time subscriber (started watching at 50k subs). Best of luck to you. Maybe I'll check back in to see if the mean-spirit that's inhabited this corner of the internet has cooled off. Cheers.
@@leahmcdermott4189 What do you know as a free man, about the experience of past slaves?, because you look like them?. Get the hell out of here with this bs.
@@leahmcdermott4189 You should educate yourself. The longest running slave traders were the Koreans who spent 1500 years in the slave trade. The inventor of slavery was Hamurabi who was based in present-day Iraq and parts of Syria and Iran. The Barbery Pirates kidnapped and sold 1 to 1.2 million caucasians around the mediterean during the same time as European Colonialists. Your entire line of reasoning is racist and ignorant.
I work for a PDR company here in Texas and we mostly do hail jobs on cars. If insurance tells you your car is totaled and they’ll be there to pick it up, you can tell them no. They want your car and will steal it out from under you
Yes, but keep in mind that car will be considered totaled when having it insured, through probably said company. And if you ever sell it, the history will show that it has been declared totaled. But sometimes hail isn’t too bad on a car where you can hardly tell. Up here we’ve gotten grapefruit sized hail not too long ago, some years are worse than others ofcourse, but some cars/homes get really banged up in these hail storms. But if you can recover your car from a a storm, and don’t mind the totaled status, I’d say go for it, let those guys pay you out and keep it! You can just get liability on it anyways. Or you can not report it, fix it, and then you won’t have any hail history on your car report, but that’s a lil risky. The PDR place I go through usually tells insurance what the cost of replacement is on parts, and then we always work out a deal together for the work. 👀😂 screw those guys. Side story, my uncle had his house insured for years through a company, then one day we had a really bad hail storm knock out windows and rip up the roof. Insurance company dropped him for that…. Was the first claim he ever made on the house. Insurance companies can kick rocks. You pay for this coverage for a CHANCE of them to cover you, but they can drop you for any reason typically.
I religiously watch every MWF but saying to someone “have you ever heard of slavery” seems a bit tone deaf. Love you Caleb but you gotta do better when it comes to some stuff you say
Been subscribed since like 100k.. Just got to say these clickbaity and demeaning thumbnails and titles are getting out of hand man. I know I can’t be the only one who thinks this.
You're not the only one. It's starting to feel almost embarrassing to see them come up on my feed. Makes it feel less like it's helpful and more like it's just click bait.
@@CaptainRazzie yup pretty much. Like these people come on this show and put it all out there for everyone to see. The least you can do is not call them a scumbag in the thumbnail? Let their actions and behavior speak for themselves
@@CaptainRazziesorry but this is the game of UA-cam.🤷🏽 if you don’t like clickbate stop watching. it’s still the same content just with a dramatic title/thumbnail.
One of my favorite lines that people say on this show is, “well they (insert credit card company name) helped me out with getting this card which is allowing me to take advantage of my credit and bring my credit score up”… Seriously do they not understand that they are the ones being taken advantage of?
really hope its your new producers pushing this type of agenda to get views and not you actually wanting to be a dickhead because it made no sense to shit on him all episode saying he doesn’t make money when in the last final minutes he made 6k after taxes. this show so different from what captivated me in the beginning watching this series.
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We debate the continued POTENTIAL scummy behavior of used car salesmen, such as himself, in today's post-show! ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
I think the editor is too obsessed with using the smudge tool on every thumbnail
Finance Daddy doling out the punishments 💋
@@FMeister94😅, a 😢gg 😢y is 🎉g6 they😅6😢gcg😅67yyh😢😢😅
😅😊😅😅v 51:35 j 😮👍😅 I'm😅 the?are t😮😢🎉😢r
Dummie?
24% on his own car? And he's a car salesman?? I am not going to him lol
His FICO score must be somewhere in the low 500s.
*Edit: Just saw the actual score: 567. I was closer than I thought!😆
Being a car salesman has nothing to do with the rate you get. The banks are the one giving the rates out based on credit scores and his was horrible
@@jamesgaines6468 I think it was more that he should be aware of just how much he is overpaying / losing with such a high interest rate as he is a sale person.
@@DavidAno-gk7ds bingo
@@DavidAno-gk7dsHe probably is of the mindset he has to look like a successful car salesman to sell more cars. A lot of salesmen live by that motto in more than just automotive sales.
"I did afford it, thats how I got it."
-a broke man with a $600 watch
Mind blowing.
Indeed😮
But he could afford it.
He didn't do well in math class.
...but I did eat breakfast yesterday...
This way of thinking blows my mind
Worst part about that is how it's more expensive than a baseline Apple Watch that actually does more to justify its high price tag.
You should've asked him what time it is and watch him check his phone instead of his watch
He's dumb firsure but everyone knows watches are jewelry not an actual timepiece
Typical car salesman. Comes in wearing nice clothes, watches, necklace, with a nice car. Behind closed doors he paying $1000 a month for his new car
I would projectile vomit all day, every day if this were my finance’s. He is so ignorant, he doesn’t understand the position he is in. I wonder how many Americans live like this.
@@gregutz4284I get what you’re saying but 99% of people with big car payments are not doing that
@@gregutz4284 The % of people who have the discipline to do this successfully is so small it's not worth giving this advice.
Its never better to finance something over cash flowing.@gregutz4284
For real looking like MONEY and being the brokest one in the room💀
Brave of a car sales man to come on here when almost every previous guest got low-key scammed by one 😅
Yeah 😅😅😅
Highkey😮😮😮
He got scammed by one himself and still became a car salesman....😂😂😂
"people like car salesmen" bro tf they don't! It's a stereotype for a reason, Mr. Sleaze!
Yeah they scam themselves too. The delusion is strong.
As a former car salesman, when i hear "honestly," I love to stop a sales conversation with "Were you not being honest earlier?" Instantly get what you want.
This applies to any conversation with anyone.
Buddy is defending that watch as hard as he can but we all know he checks his phone for the time.
😂 that's dirty lol
Underrated comment 😅
Honestly watches should be either $50 or 10k+ a $500 is the brokest look possible.
Probably can't even read analog.
I LAUGHED OUT LOUD 🤣
You know what would be hilarious if someone ordered DoorDash to the studio when they're in the middle being audited lmao 😂
A taquito mid-audit sounds like a vibe... but i think Calebs head would explode too.
@@GeorgeWatthere was a person that brought taquitos to the audit to share with Caleb, he was pretty upset they spent money they shouldn't have lol
@@seanh8546what episode was it
Who do I have to punch if that happens
It would be the ultimate power move. Right next to opening up a credit card mid episode. That would make me explode to be fair, lol.
I think Caleb gave up on this guy before they ever met tbh.
I disagree. This guy was waaay too delusional and lax about EVERYTHING. I was done with him when he kept trying tif defend the damn watch. The I near hated him when he was defending his rent!
Damn Caleb isn't even trying in this episode he just hates this man 😂
Easy to do to be fair
Lol
Because car salesman lol
Dudes a car Salesman so I understand his angry.
Can you blame him? This guy can’t even estimate his paycheck
I used to work at a dealership as cleaner and I’m almost certain some of the salesmen single handily put families into poverty from up-selling new cars. They were the nastiest-greasiest humans alive.
This is why I spar with salesmen all the time they hate me lol
Cars should be treated like houses. It's very rare to build your own house, almost everybody buys one already built. Which is basically buying used instead of new. The exception is probably condos where new constructions may be bought slightly more often but still not more than "used". But car dealerships would fucking riot if that were the case 😂
I had to buy a car recently, and I said they had to match the msrp from the actual manufacturers website and not upcharge me (it's happening to many dealerships now) and they didn't. So positive experience there. Good dealership - didnt try to sell me other things, I knew what I wanted car wise, what I wanted to spend and negotiated as well, but it should be a crime to go through a third party just to order a car - absolutely ridiculous and a round about way to do it. Not all countries even follow it either so good for them. We should just rid of the middle man in most situations.
When my wife and I where looking at new cars, they'd try to sell us cars we didn't even want or unsure if we even wanted them. Even better I stated it's going to be her daily driver not mine and kept talking to me about the car. I told them the only things I care about is if she likes it and is reliable. I'm no car expert, just an enthusiast, and knew generally more about the cars than they did.
I don't care for salesmen in general, but the people buying things have the responsibility to do research and know how financing works because they are the ones choosing to sign for the loans. If you are willing to overpay for a car at high interest for long terms.....well......that's not the fault of the salesman.
"have you heard of this thing called slavery?" - Caleb Hammer to an African American 😂😂
You could tell after he said that he realized who he just said it to by how quiet he got lol
It didn't happen to him he shouldn't care
@@utubeisajoke I'm not offended or anything, just thought it was hilarious, but the hilarity lies in a white man asking that to a man who is likely the descendent of slaves.
@@airplanetowardsthesky3265lmao yes! I love caleb
@@utubeisajokehappened to his ancestors
“The wealthy are quiet. The poor are flashy” Sell the Benz and break that lease. Single dude with no kids should not have such a big place. He makes great income. If he cleans it up, he’ll be set.
100% correct.
The wealthy are definitely not quiet 💀
💯
The wealthy are loud as hell. Martin Shketli for example
He makes decent income not great, and his mindset and decisions are ASS. I’m willing to bet by the time he’s 30 he’ll be in the same situation but most likely worse
I’m so proud of Noah for not letting his disability define him!
🤣🤣🤣
Noah always catching random strays.
@@donovantucker5166 on the regular too 🤣🤣 he ain't even front and center yet he still catching strays
Noah's artistic too.
@@coldcheesebotindeed. Same and agreed😊
I like when they show the total debt periodically. Nothing shown and I'm 57 mins into it.
I agree, bring back the onscreen debt counter.
people who pay 1/4th of their bills but then say “i’m alright my bills are paid!” oh jeez
@@Glanzernthey’re not. They just being kicked down the road. Debt paid with debt is not paying anything
@@Glanzernwhich ones aren’t important 😅 losing a car due to lack of payment would suck 😅
P😂❤@@Playingwithproxies
Being a car salesman and having crappy finances is one thing.
Being a car salesman and not keeping track of how much you have coming in because you don’t want to “dampen the mood” is just crazy.
By not knowing what’s coming in you can’t effectively manage your finances, insanity.
Yeah exactly :/
Car sales is a job where lifestyle inflation is RAMPANT.
It's an extremely low barrier for entry with potential to make a healthy income without having to climb the ladder.
I was only ever a tech, but the shit I'd hear from guys in the showroom was insane. Six figure credit card debt, gambling all their money away, all kinds of drug habit moneypits. These people are literally a few missed sales away from losing everything at any given moment.
Oh and there's always a handful of them that are all married and fucking each other.
These people vote higher taxes for fewer rights for all of us. Land of the free baby.
That's nothing. Imagine if he was the Finance manager and having crappy personal finances.
Being a car salesman and having crappy finances is more the rule than the exception lol
I don’t know why this guy keeps saying clientele people come in like once every five years to buy a car that’s not clientele that’s just a person who comes in to buy a car!!!!!
Car salesman rely alot of word of mouth.
As a previous car salesman you will be surprise how many come in to see a car and a month later comeback and buy it. As long as you reach out to them you can consistently have several ppl coming in.
A lot of people still refer their friends, parents, kids, etc to a dealership that they feel great about, or a salesperson. I've known several families that had a salesperson that every single one of them went to when they needed new cars. Not to mention the individuals that get underwater on a car and then trade it in for a worse loan a year later.
Idk I have a few customers that love me that have bought 2-3 cars with in months and I’ve made a decent commission of them and they know they will say I know you guys have to get paid , the. They stop by and bring me a bottle of liquor or give me a gift card to a restaurant etc, then you have the unrealistic customers that haggle you to the point where you are not making any gross profit in the car yet they think you are ripping them off and will burn you on the survey, AND will give you headaches after the sale is done.
No he’s valid on this. It takes a while to build up clientele. Meaning he sells cars to certain people and if he does a good job those people will refer their friends to him. He also sells higher end cars, so he’s selling to richer people that will be more likely to buy a new car more often.
There’s a reason Caleb didn’t push back on that when he said it. Caleb’s been in sales too.
Caleb: “not a car guy”
Caleb: “that car is a piece of shit”
Not sure what you mean. You can not be a foodie and still know when something tastes bad 😂
To be fair, I think most everyone knows the 200 was a POS, car guy or not =0) That said, Caleb has been going HARD on people's cars recently. LOL.
@@davedixon2167Yes, he has that Tesla ego now😂😂
He's not wrong though.
Yeah but they are junk
Audits on Friday are perfect...keep me from going out and blowing that check 😅
That’s good!
This!!! I'm giving myself a $50 budget
@Fres_Nickels Caleb wants your finances on his desk on Monday 😂😂😂😂😂😂
2 phones? money in small transactions comming in? do the math folks
2+2=a dime?
S/O to Kevin James
Smh a lot of business require a business phone so you don't mix personal with business. That's literally a thing. Mainly blue collars and CEOs but sales people definitely.
Gotta love good ole classic UA-cam Racism.
@@Ball.Daily11Can you specify whats racist about it or are you just gonna continue to pout like a 4 year old in every comment you have made on this video
Sounds like he just admitted to tax evasion with his 1099’s
*Donations
*Business expenses
😉
6:40
@@jmaximusgI just got a brand new Lamborghini Hurracan for my pressure washing business! Most useful tool I have for the business!
Secret to stay broke: care about stupid watches, cars and other nonsense to make other broke people think you have money.
And always purchasing wants on credit rather than cash.
Ding ding ding!
I wish I could upvote you more. This is exactly what keeps people broke. Thanks, now I'm going to watch Fight Club just to hear "You're not your job. You're not how much money you have in the bank. You're not the car you drive. You're not the contents of your wallet. You're not your fucking khakis. You're the all-singing, all-dancing crap of the world."
It's not even a nice, expensive watch. It's a cheap watch meant to look like an AP.
I go with the alternative, a lot of broken and old cars that need work so rich karens think I dont have money.
@@BP-or2iu it more closely resembles a PRX, but they don’t make a red dial variant so idk what that is tbh
Caleb, one note when you’re actually going over budget and plan. Slow down. A lot of these guys have never even seen a budget before. I imagine it’s completely overwhelming to see something so new so fast
hush.
I agree. Caleb talks a million miles a minute.
There's no telling how long he goes over it. We don't see absolutely everything
He always states that they go more in depth after the fact with them with their budget program. These episodes are already an hour long
Hey you know these talks are recorded and uploaded to UA-cam. So whenever you/they miss something you can aways rewind it. They also have a button that slows the speed of the video down. Screenshots are a good tool too. Stop making excuses for these people
One thing I've noticed is that almost every guest on this show has not worked in their current job for more than a couple months, if that.
Shrewd observation.
Exactly right. And there's always an excuse....
I've noticed this too. Literally almost everyone
Oh I never noticed that actually! Part of their financial struggles is they can't hold a job I guess
FACTS
As of today, I've cleared 30% of my debt, set up a 2k emergency fund, have over 10k in retirement, and moved all remaining debt to my lowest interest credit card and haven't used the others in months. Thank you Caleb
Woot, woot!
Hell yeah! Keep it up!
Keep on that grind! It's unbelievable how much of a difference in my life a fully funded emergency fund made. Coming up on my wedding and my car broke down. No stress whatsoever. Got it fixed and just kept on keeping on. Emergency fund back to fully funded and I'm back on track to finish paying for this wedding.
❤you did fantastic
yay good job 🎉
- I did good in History
- You did well.
- I DID GOOD in History. And I also did good in English.
LMFAO
Literally laughed out loud at Caleb's face😂
Aye Caleb, as of today I paid off all my credit cards and started my emergency fund. I was over 12k in consumer debt less than 3 months ago.🎉
Congratulations! I’ve paid off one high interest credit card since starting to watch this channel. Plans to get as much paid off by EOY as possible. ❤🎉
WOOOOO GET IT
@@topwombleYou dig out of a deep hole with a big shovel. Work as much as you can, sell as much crap as you can, and live on a shoestring budget.
@topwomble you realize how much money you have when you say NO and bring the sandwiches to work lol. I had an insurance pay out and a nice bonus and taxes threw it all on it. ❤
I’ve been working on getting my finances in order even harder since watching your videos this year. I’m a teacher and just picked up a part time job at Walmart! I don’t plan on dying on their floor though!!
"Producer Noah, the one with autism"
Ah yeah nothing like a cross-episode joke! 😂
the cinematic universe is expanding
Cinematic spectrum
The strongest CarMax scammer in history versus the strongest CarMax victim of today (Mondays episode)
Reminds me of The Office when Michael said he loves a good inside joke, hopes to be part of one someday.
Caleb: I think it’s great that you’re willing to offer a job to someone much of corporate America would look right past.
“It’s not often that I’m blown away” - Caleb very often
I’m so glad I found this channel, I decided to pay off my 15k of student loans left and 4k of my car left this past Wednesday so I don’t have to worry about it anymore and be able to contribute more money towards retirement and my future house.
Thank you Caleb, you really are changing the world.
Don’t forget to re-save up your 6 month emergency fund before investing 😉 just a little more sacrifice before the fun starts back up
@@Sar-ahG already on it 😎
WOOOOO
Why? JB gonna pay it for you.
Thank YOURSELF. YOU did that. Caleb does nothing but screech profanities at guests and give the most basic financial advice.
Caleb sure is going hard as of late lol. Every response the guest makes there’s a clap back
Bro just went through a break up. Sounds like he needs a vacation, regroup and come back
I think whoever is in charge of growing this show, has made Caleb hate his own show
Whoever screens people keeps bringing in people who barely think they’re in the wrong. 🥲
@@steviaberry I've barely seen anybody on this show who actually seems like they want genuine help and are ready to change..
Yeah I would too,
People love seeing/hearing Dave Ramsey lose it on people. Caleb is just giving the people what they want.
I think most are embarrassed even though they CHOSE to be on the show.
As a college student who took out a private loan with a death interest rate my first year, this channel has been a godsend on how to budget and manage my finances responsibly.
That’s amazing
Wait until you find The Money Guys!!
You cute. Good luck w that
Earliest I have ever been on a video, and this introduction gave me insane whiplash
Thanks for being here :)
Real
Like 24 percent on a car is some predatory stuff. That’s life ruining.
Usually I understand where Caleb is coming from in his yelling and criticism, but this episodes vibe was completely off. Idk if it was just because the guy was a car salesman or if there was something that happened before the episode started, but from the very beginning of this episode it felt like Caleb had given up and genuinely disliked this guy. Not the best episode in my opinion.
Dude is actually really patient with Caleb’s outbursts
u can tell caleb never got his ass beat before the way he talks to his guests in such a condescending way
@@redkobe5465😂 dude why you trying to sound so tough. Lol he’s a budget guy not a street fighter lololol did you know that?
@@odysseyraven5930I think his comment is describing Caleb’s character as a whole, and yes he doesn’t seem to have much respect or compassion for people on his show, it’s becoming. More gimmicky and sex driven, plus autism is not a laughing matter, I get it if someone is an idiot on your staff but autism itself is not funny and this dude constantly mocks people making a voice that many would say is symbolic of a person with intellectual disabilities, this guy lacks in character
@@drewonthebassyou clearly don't get the joke. The joke isn't that someone has autism. It's that he thought someone had autism, but they don't. So now it's a running joke that "Noah has autism". If you're new and don't understand the show just say that instead of jumping to conclusions.
@@HH-le1vi you’re the one jumping to conclusions actually, go count how many of the recent episodes include sex talk or only fans lmao I get the joke, I’m saying that the joke isn’t funny because it makes people with autism less than, as in it’s funny because your less than type vibe for example replace I thought he was autistic with I thought he was gay. Is it still funny? If not then the joke probably wasn’t either
Caleb, I’m a high school social studies teacher and your show/guests inspired me to teach a new state mandated personal finance course next year. I’m trying to limit the people that say “they don’t teach you that in school”.
👏🏻
By the end of that course you'll understand some people deserve to not have money.
I love that, thank you ☺️
I don’t get how six months at a dealership can build a clientele for car sales. Are these people buying cars twice a year?
it’s always the chill, laid back “I’m so unbothered and cool” dudes that have the worst situations 😂 if these were my finances I’d have a heart attack
Ignorance is bliss!
That’s one way to stay “sane” when there is insanity around. I guess
And they always got sports teams baseball caps, tattoos, jewelry, drip, etc just like dude from the video
I think it's just that: you have to be that way for you situation to get this bad
"Do you like the watch?"
"No it's ugly... but it matches your hat" rip
Dude, I didn’t even notice how brutal that was. 😂
He even replied “Thank you.”
The comment I was looking for, thank you! So much savagery in less than 2 min 😂
He meant the color matches his hat
Yeah I enjoy this show but you guys seriously have to tone it down on the cringy thumbnails and disrespect of the guests. What really got me hooked on Financial Audits was seeing relatively normal people get into difficult situations that Caleb would help guide them out of and give hope to. The early episodes of this show taught me so much about personal finances and savings strategies, but I haven’t learned a thing at all in the last 20 episodes because the focus now seems to be bringing on the most absurd guests who are too delusional or insincere to want to get better. Please please please stop it with the cringy thumbnails and memes and go back to educating your guests and your audiences.
Totally agree!
bruh these ppl are insane i think the thumbnails are suitable 😂
@10:00 I feel like of ALL the people that they have interviewed, it felt weird that they were questioning him so intensely on if he was there for clout. Like you have had hundreds of people that come there that were in worse debt it just seemed odd to stop the show to call him out on that
facts major suspect
I don’t doubt that he truly thinks he’s helping people by giving them these predatory car loans. He has no idea that his own loans are bad so grandma getting approved at 18% really does bring a smile to his face. It’s insanity.
As soon as the industry normalized 18% subprime loans, the sales people just got used to them and everyone just thinks that’s how it’s supposed to be.
Same. I bought a car a few months ago and when they brought me the paper with monthly payments, first thing I said was what's that rate because eyeballing it looked high. He couldn't tell me. I had to calculate it myself and realized it was near 15%, even though my wife and I both have 760+ scores. Had to push to get it more in line with what I've seen advertised with online with banks for a used car. I absolutely dispise how untransparent they are with financing until you're signing papers 4 hours into it and you just want to leave.
@@flyingbadger1759sounds like a shady car dealership. If they don’t run your ssn it’s all a guess. Most banks make dealers mark up rate at least 2 points. Banks also run books on cars before they loan money - profit in car , profit from financing , profit from service , profit from selling warranties. Fyi Your banker still marks up the rate even if you go to them lmao it’s business
I doubt he understands percentages or how they work. He did say he didn't get numbers🤔
@@chocolatebrain6002 crazy huh 😂😂😂
Could have suggested he get a room mate to offset the cost of the rent
I've said it before and I'm saying it again, it boggles my mind when people are confused by what you mean when you ask them how much they make. Also, Caleb, I think you need to take a little vacation. You're beginning to vibrate within the first 3 minutes. Don't worry, we'll all be here when you get back.
He also doesn't ask things clearly sometimes before he gets turnt.
When guests 100% do not understand what is wrong maybe one approach would be to explain what a healthy budget looks like to explain where their budget could be. Maybe they’ll see it?
They don't care. They still want 'wants'
Caleb please take a break my dude
I'm definitely starting to hear the change in personality and conversations asking the guy if he graduated high school. Basically insulting his intelligence. Bashing his car. Since when do you care about cars? It was always a way to get around not really loving this direction, I've watched every single show, but being insulting to people because of their lifestyle not their financial choices, as well as having on pornstars to discuss their Millions is really starting to turn me off
👏
His lifestyle IS his financial choices. Cars, an apartment he can't afford, watch and brand name clothes he can't afford. His lifestyle is ostentation while drowning in debt.
What about the comments re slavery?…..
@@heathergray9195 His lifestyle is ostentatious but it doesn't excuse Caleb’s vitriolic commentary on his guest’s personhood.
Right?! What about their lifestyle? He never downs them as long as they are making money
My strategy dealing with car salesman is browse online, get pre-approvaled through my credit union, negotiate over the phone, and work out the entire deal and have it in writing via email before I even set foot at the dealership. This has worked for me the last four cars I've purchased from dealerships and I only spend about an hour there.
Just took a screenshot of these steps, thanks for sharing!!!!
Thanks for the tips!
can I ask the steps to get pre approved at your credit union? I've heard your method a few times but I'm not sure the steps to take
What do you do when dealers refuse to email the deal over to you
Look up Deshone the Auto Advisor. Explains these steps perfectly.
Why is Caleb already digging into this guy? I’m 6 minutes in and we’re already yelling. I understand if you get frustrated after you’ve said the same thing 2-3 times before and they’re not listening, but this guy is literally coming to Caleb for help. Assuming he doesn’t know better, the yelling and condescension is not helpful. I think Caleb is burnt out and needs to take a breath. These are people.
I've noticed his videos have gone from "empathetic but firm friend" to "straight up yelling from the start"
It gets more views. Same explanation with the disrespectful titles and thumbnails.
The condenscending remarks are crazy. IMO he saw his high views in Tiktok (which generates income) so now he's fishing for viral screamy content where as before the content for short Tiktok clips just came naturally /:
His responses in this video seem too forced and aggressive /:
I just watched the video of the nurse before this and he was so calm with her and didn't question her calmness, but here we are really digging into Buddy /:
Tough love. This guy throughout the episode showed an unwillingness to accept simple fixes he could make to fix his situation. If being gentle doesn’t work, hopefully being tough does.
Instant gratification and zero discipline is the biggest problem for young adults these days. Social media constantly shows them ppl their age doing the best and they think that’s what life is supposed to be smh
It's more a parenting failure than anything else
@ImVeryBrad notice how he said "my mom's finances" - the usual one parent household failing their kids
"instant gratification and zero discipline" was a problem for young adults 30 years ago, too. I was one of those young adults 😁
@@lostipod12 The difference is that today they have social media so instead of waking up one day and realizing they need to shape up they blame everyone else for "taking advantage of them" and continue to behave like children.
there’s been car salesmen* on this show before if i’m not mistaken. i’m not through the backlog yet but i’ve never seen a guest treated so disrespectfully, out of the gate, and then nearly continuously afterward, 35 minutes in and i can’t imagine how awful it is going to be when i look at the remaining time. nathan so far in my watch has been completely respectful , my heart goes out to him. this misses the mark for me and most likely others.
I agree. Caleb was noticeably hostile right off the bat. The comment about his education level also rubbed me the wrong way. I feel like Caleb's gotten the whole "Caleb Springer" persona idea stuck in head and has been especially mean or rude to guests lately.
the micro aggressions are out of this world. Good, well, who cares!! you know what he means. the slavery comment. constantly poking at his job when caleb has also worked sales? this is the society we live in- he’s working, should he leave his job to work a more “acceptable” one? I would’ve walked out of this , it’s one thing to tell hard truth , but it’s another to belittle someone coming to you for assistance- you have to meet people at their level. Any points to be made , wouldn’t matter to me after that continued level of hostility and i hope the guest was able
to get something out of this. It speaks to his character he continues to be a good sport about the audit.
@@tewlott Lmao this lad has literally ruined his life, he doesn't deserve respect because he can't even grasp the situation he has gotten himself into. You really fail to grasp that this person requires a wake up call and not to be cuddled. If you walked off because the person you came to get help from is cussing you out for running yourself into poverty you are a incredibly stupid person.
I agree. It honestly offended me the way this guest was being treated. He kept an open mind and smile on his face but I can only imagine he was uncomfortable being yelled at for the entire interview.
I’m 25 mins in and can’t finish it because he is so uncomfortably awful to this guy
Stop talking about the type of car. Instead, talk about why the loan is predatory or give advice on how to purchase a vehicle responsibly.
He did go into that buddy
I agree though-- I drove a hooptie for years getting out of debt, No shame.
When he said “he knows he’ll bounce back” after his financial decisions, it really gave me an idea that you should look into, Caleb. I think you should start a series with people who have lost it all and still struggling to get back on their feet. I think we need more stories like this to try to keep waking up our society that our poor decisions will indeed make us poor.
Oh ya I'd be into it! Might be a good wakeup call for ppl!
Is that not what this show already is? Lol
I find Caleb screams to some people who have no financial clue and it blocks learning opportunities.
I hope Caleb and the team listen to the constructive criticism. This episode was not it.... I felt bad for the guest the entire time, Caleb was just insulting and blatantly condescending. I'm gonna give it some time but if the content continues the way it is I can't support it.
This may not be the channel for you bub. That's like telling Gordon ramsay he's too condescending. If there's something wrong he's gonna call it out without a sugar coat.
"I did good in history"
You did WELL
"No I did good in history! and english 🤠"
This one was a little subtle 😂
I was stunned 😧 like what
🤣🤣🤣 classic
😆😁😆😁
"and good in English."
😂😂😂 I laughed and laughed. 😂😂😂
8 mins after posting, and I can tell this is going to be mind blowing 🤯. Caleb you a real one for being able to do this. I do appreciate your advice and it has helped me look at finances way more closely.
Thank you!
I’ve been a long time listener of the show and I have to agree with most of the comments, the last few episodes have definitely taken a turn. Caleb feels burnt out and coming in too upset and disrespectful to the guests. Feels less of an audit and just a roasting show. Not very helpful to the guest or the viewers.
Taking the Caleb springer a bit too serious in this episode it seems
Agreed. I felt really bad for this guy.
@loria606 i dont. It's better to say this now than later on when his older and its 1000x harder to recover.
the mocking voice is too much.
I think this gets better views though, so may not be as valuable for the folks on the show but more valuable for the direction and the success of the UA-cam channel
Im not gonna lie… i kinda wish caleb spent more time educating people on why certain choices or beliefs about money are irresponsible. For example, instead of just roasting them about how high an interest rate is, do the math for the term of the loan and tell them how much money is being thrown away to interest. Help them realize what about their choices are unwise. Maybe some people do better with the whole tough love thing, but i feel like giving more eduction and freeing them of ignorance may empower them more (and teach us that are watching). Some of this information is totally foreign to people and they need a good foundation to build upon. Im sure its in the budgeting class online but it would probably help viewers understand as well. ❤
He's trying to give him a wake up call
Agreed. I think most people are unaware of the math and, no matter how much the loan documents spoon feed this information, people won’t understand until they see the comparison.
He does. He gives them resources post show
Caleb unfortunately slavery does exist in America today, through human trafficking, prostitution, and corruption. Just to name a few but major examples.
And prison labor!
It is in fact still technically legal according to the constitution
If we are going to go the dramatic route, can we have a co-host that will give some educational information? These people dont just need to be berated. They need education. You can't educate through insults.
When he told him he failed at his job and that's why he was making less money, that made me sad ): how about kudos to him for realizing he needed to leave a toxic work environment
Insults work😂
The show has an extended informed consent process so the people know exactly what they are signing up for. During the post show they actually do more educative work. All guests also get access to his personal finance/budgeting course for free.
They get educated. The purpose of these videos is for people to become aware of their bad habits.
@@TSPage I have been watching these for a while now, I have probably seen almost all of them. The last few episodes before this one, I was becoming increasingly frustrated with the way in which they were approaching these guests. I felt that education was giving way to so called "entertainment". Although the amped up angry Caleb shtick is getting a little old now. They claim to want to help the viewers, but you can gain little from watching someone being shouted at for the best half of an hour. At points some guests were visible confused and they made no attempt to help them understand in the moment, which also leaves the viewers none the wiser.
I understand the metamorphosis taking place on this channel, they've got to make it entertaining to get views, I just hope they don't lose their original ethos.
@@rachs86782Agreed, this show is suffering from Caleb's childishness. I have no doubt he believes he gets more views that way - and he's probably right.
But it's a shame. I like seeing the interviews, but Caleb looking for excuses to make angry moments to clip for tiktok is ruining it. It's so over the top.
Caleb, let’s be honest. Aura is a joke and if someone on this show were paying for a similar service you would give them a hard time about it.
there's been a few sponsorships recently that seem so incredibly superfluous or just not at all related to the content -- he did one for an injury law firm like...
“I did good in history.”
“You did WELL in history.”
“I did good in history and English.”
💀💀😂
Absolutely my favourite part
Came to the comments to say this. I was cackling so hard!
I almost thought he was joking for a second lol
EMPHASIS on the English
As someone who also did well in history and English, I don’t see the point in correcting people to use well instead of good as an adjective for their performance. We understand what they’re saying and language is a tool that evolves.
Modern slavery does exist. One example is human trafficking
It is still technically legal in the US if it is used as punishment for a crime
Add the prison system. Completely legal.
Caleb, I was about to sell my car and upgrade to a Tesla, I was thinking how it’d cost me a check to pay for the loan and insurance and then I thought about everyone on this show and changed my mind. Ain’t nothing wrong with my Honda civic🤣
Good decision! That Honda will last you forever, and you have lots of options for how to better use that money.
Those Tesla repair prices are crazy
Good news is if it only takes one check to bridge the gap in your finances to go from Honda to Tesla imagine the level of savings and investments you can build in 6 months!
If you still want it after building a better position until November go ahead and get it
My accord is at 385k miles. I bought it 12 years ago. No major repairs. Honda all day man.
Good thinking! Save that extra.😮
Moving into my first place with my son and your show has been my motivation the past couple months to lock in and budget. Now Im moving in with everything I need and will be comfortable!! Thank you Caleb 🙌🏼
Did Caleb just refer to this guys car as a doucebag car? Doesn’t he drive a Tesla?!?!
Subaru is king douch car. comes with a buttplug and a vape.
Yeah, those are doucemobiles lol
Thats what I thought immediately. As soon as I see a Tesla I roll my eyes.
Tesla drivers are like guys with toupees: they think they look great and everyone is impressed, but everyone is just having a laugh at them behind their back.
Here's the difference, Caleb can afford it, unlike the rest of you
All jokes aside. Even though he's delusional he has a nice vibe. I can see how he'd be a good salesman. Just hope he fix them bills
Dude could be friends with anyone
Totally agree. He’s a sweetheart. Just not very aware of his predicament. 😅
He’s very irresponsible and highly financially uneducated.
Others have said it…don’t insult people for their intelligence that’s cruel. Question decisions but don’t ridicule
But what if these people really think they're financially smart. They need to be put in place for anything to register.
@@Semi_Successful Dunning Kruger effect. It’s actually kinda been debunked but the idea behind it still makes sense. Stupid people overestimate their knowledge skills abilities and what there is to know about the subject at hand. Smarter people underestimate their knowledge skills and abilities due in part to their knowledge of the vastness of the subject at hand
I’ve been watching all the videos but this convo did not flow , the guest was actually pretty chill and he was getting attacked.
I think the fact that he was chill makes Caleb more mad. It always did with my mom lolol makes em think you don't care which I do see can be upsetting
In the future, I think if would be better to ask someone what their level of education is instead of asking them if they graduated high school. Asking if they graduated hs kind of implies that you view them as uneducated or dumb. It can reeeaally humiliate someone and bring them down.
I think Caleb was mistaking this guy’s irrepressible positivity for stupidity the whole time, haha
26:30 as a 2015 Chrysler 200 owner, this is a surprising amount of vitriol. Mine is at 112k miles and has only ever had a bad engine temperature sensor that was a $25 fix. I worked for Enterprise Rent-a-Car as a college job in 2015/2016 and all of the fleet Chrylser 200s ran flawlessly. It was the Fords and Hyundais that kept having serious issues.
Caleb went from “I don’t care about cars” to quite the arrogant Tesla owner
He makes enough money to afford one, most people don't
Tesla isn't really a crazy luxury car anymore. It's basically a Camry at this point as far as cost of ownership for most models. Ya you can get a roadster I guess
@@matthewishuntingyeah a camry that is unreliable and 4x the price.
@@matthewishuntingdream on bro. Battery life 😂
He drives a jeep cherokee from 2019 apparently the tesla things a joke
Typical. Has to floss to look a part; $2250/rent, $500 watch, Mercedes Benz 250, designer jeans, 24% interest rate on a car he’s almost DOUBLE the VALUE in underwater…. Even his excuses aren’t original. Why did he come since he can turn all this around?
Yup all flash, zero substance. People, like this think that their worth is based on how rich other people think they are. His whole life revolves around other people thinking he has money.
I'm assuming to promote himself? I'm not saying he achieved this. I'm strictly theorizing. In his head this was some sort of marketing tactic?
I think they think they are the one Caleb is gonna be impressed by and not yell at
Why you got that expensive watch when you broke? "Its nice tho right?" No it's UGLY! 😅 right out the gate we getting heated
I have never laughed this much in your videos. The level of "not give a fck" is impeccable.
Honey wake up it's Finance Father Friday
I jumped to this video from one that was 11 months old and wow, the quality of the videos are so much better.
I can't watch a full episode anymore. You used to teach the guest how to budget, and now you're just being condesending.
The point has to get across. Otherwise the guest came there for nothing and they still won’t make the necessary changes in their life to save themselves.
We found the dude every other audit guest spoke to.
He’s the one that sold them overpriced cars
I work a high stress job helping people in very intense situations.. exhaustion and compassion fatigue are well understood in my industry. I understand caleb wants to keep the momentum up. But you cannot help others unless you take care of yourself too Caleb. The last few videos you seem to be more aggitated and restless. Please look at your supoorts and consider taking a break. You are a person in this world and you matter.
I wish they would at least pick some responsible people every once in a while. I think it would be very useful for people to see how an average person who is smart with money deals with their money and investments. Also, Caleb would be way less stressed.
@andrewcope9136 nah theres a reason scared straight brought you to a prison not to a high paying law firm. Negative examples strike home way harder
I love these recent episodes when he's more agitated, he doesn't hold back anymore, it's great!
@@andrewcope9136I think he should give me a chance. I think I’m responsible, but the show will be too short!
The channel has definitely taken a turn ever since Caleb brought on employees to help produce episodes. Getting help for channel growth is great, but I think they're actively steering the show away from its original vision and that should be addressed immediately.
I make six figures but still refuse to pay a lot in rent. I’m literally renting a tiny one bedroom in a meh part of town for $1,200 lol. I could afford more but refuse to go into debt to live in a nice place.
I made 120k and paid 400 in rent for a while lol
Same! My husband and I both make 6 figures and we pay $1900/month in rent. This guy’s rent is absurd.
There's really no reason to go ham on housing. Live with the least you can. Paying $2500+ when you could pay $1200 would be stupid. Unless the $1200 is really just a dump and you're on danger
This rent made me so crazy! If he downsized he could pay for family to stay at a five star hotel when they visit and still save thousands!
I'm a nurse and my rent is $550 and that includes utilities. I'm the only professional living in my building. I also work 50+ hours a week in another city. Why pay crazy rent when I'm only home long enough to shower, sleep, clean, and meal prep? It's an old vintage building (1926) but I have everything I need.
19:38 “I did good in English” is taking me out 💀
I snort laughed at that, ngl.
😆😁😆😁
and his Stensive vocabulary
The third time he got the "good/well" wrong, I could see Caleb giving up... The dude did not even understand that Caleb was correcting him; he didn't realize he was making a mistake :(
asking if he's heard of slavery.... really?
That was awkward 😮
GREETINGS HAMMERHEADS 🦈
IMMA HAMMERHEAD SHARK
Hammer shaaaaarks😮
Haha yes! I love this.
This needs to be merch
This is a perfect name for Caleb Hammer fans
How do ppl believe that they are building credit by maxing out cards and not paying the balance. How does it not compute that a 25% interest means that it costs you 125 dollars to spend 100. I just can't
The thing I've learned over the years is that a sad majority of people suck at math.
It's worse than that because of compound interest and late fees. 😢
When I taught high schoolers finances I built a visual
I forget the exact interest rate I put in (between 20-25%) for the average credit card rate. According to a compound interest calculator $1 at age 18 left unpaid on a credit card compounds to over $70k at 65.
A small McDonald's soda left on a credit card would lead to you owing an experienced McDonald's store manager's entire salary.
That same dollar on the average rate of a payday loan leads to every atom in your body owing a penny to the payday lender at 65
@@thebosshouse Compound interest cannot be understood intuitively by average / below-average IQ (the former should get it with some effort, the latter... good luck!). I wish I was joking, but it's very clear that the great majority of these guests are simply not very smart.
Saying they get or keep cards to "build credit" is just a cope to deal with the fact they want more money to spend than they make.
Maybe Caleb shouldn't know about his guest's situation beforehand. I feel like you are just yelling and I don't know why yet.
Makes me more interested to see what's coming tho
How are there SO many people arguing and not knowing HOW MUCH THEY MAKE
Two words: ostrich syndrome.
It is baffling! 🤯
Because it may hurt his mmmmd.
You should bring on people that "have their shit together" and talk about what strategies they are doing. I think it would put in a little variety and give a good example for people that watch the show. It's nice to hear what to do but it would be cool to see the results.
Check out the Amaranth Audit
2 to 3 weeks ago
@@Unndecided I watched it, I was meaning more realistic people that don't make ass loads of money.
Well friends, it's been real. I've officially UNSUBSCRIBED from this channel as I simply don't find this content palatable or helpful anymore. I used to watch this show for inspiration and motivation- now it's just cringe and I can't help but wonder what happened. Did the money, fame and UA-cam clout come on too fast? After the dehumanizing sexual comments made to the mother of 5 a few episodes back, and now this episode- questioning someone's intelligence when they're there for help, has pushed me beyond and desire to continue to support this channel. Caleb, I used to tell everyone I could about your channel, and now I can't even make it past 10-15 minutes of your episodes. You've officially lost a long-time subscriber (started watching at 50k subs). Best of luck to you. Maybe I'll check back in to see if the mean-spirit that's inhabited this corner of the internet has cooled off. Cheers.
ua-cam.com/video/8w-oZo3nT60/v-deo.html
saying “have you heard of a thing called slavery” to a black man in America is crazy 😂
It’s insane and rude as hell
Yeah, that couldn’t run with me. I would have asked him what on earth does he know about slavery as a white man? Sit this one out, Joe 🥱
@@leahmcdermott4189 What do you know as a free man, about the experience of past slaves?, because you look like them?.
Get the hell out of here with this bs.
@@leahmcdermott4189 cope and seethe, every race on earth has been enslaved at one point or another, black slavery is nothing new.
@@leahmcdermott4189 You should educate yourself. The longest running slave traders were the Koreans who spent 1500 years in the slave trade. The inventor of slavery was Hamurabi who was based in present-day Iraq and parts of Syria and Iran. The Barbery Pirates kidnapped and sold 1 to 1.2 million caucasians around the mediterean during the same time as European Colonialists. Your entire line of reasoning is racist and ignorant.
I work for a PDR company here in Texas and we mostly do hail jobs on cars. If insurance tells you your car is totaled and they’ll be there to pick it up, you can tell them no. They want your car and will steal it out from under you
Yes, but keep in mind that car will be considered totaled when having it insured, through probably said company. And if you ever sell it, the history will show that it has been declared totaled. But sometimes hail isn’t too bad on a car where you can hardly tell. Up here we’ve gotten grapefruit sized hail not too long ago, some years are worse than others ofcourse, but some cars/homes get really banged up in these hail storms. But if you can recover your car from a a storm, and don’t mind the totaled status, I’d say go for it, let those guys pay you out and keep it! You can just get liability on it anyways. Or you can not report it, fix it, and then you won’t have any hail history on your car report, but that’s a lil risky. The PDR place I go through usually tells insurance what the cost of replacement is on parts, and then we always work out a deal together for the work. 👀😂 screw those guys.
Side story, my uncle had his house insured for years through a company, then one day we had a really bad hail storm knock out windows and rip up the roof. Insurance company dropped him for that…. Was the first claim he ever made on the house. Insurance companies can kick rocks. You pay for this coverage for a CHANCE of them to cover you, but they can drop you for any reason typically.
I religiously watch every MWF but saying to someone “have you ever heard of slavery” seems a bit tone deaf. Love you Caleb but you gotta do better when it comes to some stuff you say
“slavery doesn’t exist anymore” ohhhh yikes 😬
Been subscribed since like 100k.. Just got to say these clickbaity and demeaning thumbnails and titles are getting out of hand man. I know I can’t be the only one who thinks this.
You're not the only one. It's starting to feel almost embarrassing to see them come up on my feed. Makes it feel less like it's helpful and more like it's just click bait.
@@CaptainRazzie yup pretty much. Like these people come on this show and put it all out there for everyone to see. The least you can do is not call them a scumbag in the thumbnail? Let their actions and behavior speak for themselves
Install dearrow
He has mentioned before, that the applicants HELP him come up with the thumbnail.
It’s all agreed upon… before it’s posted.
@@CaptainRazziesorry but this is the game of UA-cam.🤷🏽 if you don’t like clickbate stop watching. it’s still the same content just with a dramatic title/thumbnail.
One of my favorite lines that people say on this show is, “well they (insert credit card company name) helped me out with getting this card which is allowing me to take advantage of my credit and bring my credit score up”…
Seriously do they not understand that they are the ones being taken advantage of?
really hope its your new producers pushing this type of agenda to get views and not you actually wanting to be a dickhead because it made no sense to shit on him all episode saying he doesn’t make money when in the last final minutes he made 6k after taxes. this show so different from what captivated me in the beginning watching this series.