Military Wife Is Choosing Eating Out Over Her Future | Financial Audit
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- Опубліковано 2 жов 2024
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Thank you to Caleb and these videos, I have a fire lit under me and just paid off one of my credit cards. Paid off then close it; no more cards/debt for me! Just 2 more to go! Cheers!!
That’s AMAZING!!!
Lmao u should put that money towards the credit card but if this is your celebration money then good for u!
Also I wouldn’t close it, u would get a better credit history/rating for having a larger line of credit to pull from
@@trevorturgeon211 sometimes the temptation is too much.
@@trevorturgeon211 the irony lol it's all good
Really appreciate all the people who choose to put their financial situation on display for all of us to learn from.
Most poor people are poor because of spending choices
And most poor spending choices are because of? Education, awareness, financial literally, mental health, impulse control, purposelessness.
Go deeper!
@@Americansikkuntoh reallly? No way! 🤦♂️🤡
@Americansikkunt depends how much people make and cost of living in the area. There only so much to cut spending before hitting a point where there no more left to cut. Different people, different circumstances.
Most poor people try to emulate the rich. It's rather hilarious how those who scream for "muh reparations" would blow through the money faster than anyone else on the planet. Those freaks need to be put on this show so we can publicly mock and ridicule them for spreading such ridiculous ideas.
Sad how many early to mid 20 people are having to step in and help raise their siblings because of bad parents. Hope it works out for her. Good to have a curveball guest who doesn’t have an ego or think they can’t live with unnecessary stuff. Very likable person.
Depending on how much she pays for them, she might qualify for a dependent tax credit too
It’s true. She’s just very immature and never had a proper example. She’s doing better than anyone else he’s had on. She’s not spoiled and entitled. She will succeed. If she and her husband are smart, he’ll stay in the military and she’ll keep working and investing. Even with kids, she should work part-time just to max out her retirement accounts. They will retire with a military pension, benefits, and millions in investments. Ka-Ching!
@@genxx2724and she’s disciplined with money. She saved up 8000 for a down payment for a car and they didn’t ask for a down payment? She just paid it anyway. She always pays her credit card on time. Even if she makes questionable decisions sometimes, her overall thinking with money is disciplined and responsible and so as long as she keeps that up she can pretty easily avoid the traps other people on this show fall into and avoid any terrible situation. As long as she builds the habit of saving to have an emergency fund and saving for retirement she should be set for a safe situation, especially if she can continue to increase her income.
It’s not a coincidence that these people are in financially iffy or bad situations having grown up with incompetent parents. Feel bad for them, everyone deserves a decent set of parents
@@M_SC These days parents are so bad, not having any appears to be an advantage. Everyone else on the show had parents and were soft, spoiled, entitled, and trying to keep up an IG-ready image. This girl is hardscrabble. She seems almost straight from some hillbilly place. She will succeed.
Really thought she was a bit flaky in the beginning but she’s really on the ball. Asking good questions and is LISTENING to the responses. And helping her sister. She seems like she’ll do well in life.
she is in her early 20's. of course she is flaky. if your a 20 year old with everything together, that makes you a signifigant odity.
Agreed. I feel like she is actually a lot more financially mature than a lot of folks on this show. Love to see it and definitely rooting for her!
She's easily the most likeable guest. With everything she has on her plate all she did was complain about the gas prices in san diego...lol. shes adorable and im wishing her the gd best.
Yea!. I also think its way more interesting seeing someone relatable with smaller financial issues, than people with 50k credit card debt who are also in denial. More of these caleb
You're a sweetheart. Have a great Sunday.
@@shortseason7497I agree. So much nicer seeing someone nice who acts like she wants some advice.
As a veteran, I’d recommend for her to get a GS job at the Naval Hospital in San Diego. She would get a higher priority in the hiring process since her spouse is Active Duty. If the could live on base housing, I’d recommend that since the housing allowance they give to Active Duty isn’t covering the high rents in those areas. Good luck to them! She’s in one of the best spots from all the other audits I’ve seen.
Fantastic advice
I had the same thought! There's a big infertility clinic at Miramar, huge need for phlebotomists for that alone.
I agree with everything.
But housing in San Diego has a long wait list.
@@parmawen8284Most married military can live off base
well, she really needs to stop with the weed and cbd now so that she is clean moving forward.
All things considered I am impressed by her. She just turned 22 and has a decently paying job and little debt. Also, started her 401k already. Her small mistakes seem very fixable.
A lot of young people don't do these things, let alone young people who probably learned very little about financial responsibility from their parents.
Kudos to her
This sums it up well
Agreed. I think she's a little silly but she's 22. She not doing bad at all.
Why was she even on here 😭 felt like she just wanted a chat and a pat on the back 🤦♂️ boring as hell
The only really bad debt is the car, which isn't even that high of a balance, it should be ok. As long as she can resist the urge to cash out the 401k when she encounters an emergency.
@awdrifter3394 While it's a bad debt, you can tell the bad part of it was a mistake instead of indulgence.
She paid too much because the dealership B.S.'d her based on her already approved loan. She also made the loan time way too long. That sucks, but she's young, and that can happen. Meanwhile, she wanted to put 8k down and got a semi decent interest rate considering she is young and this is probably her first real debt. Considering how many people on this show buy pretty stupid vehicles, I give her extra credit that she was buying a Corolla with the mindset that she wants it to last her a long time.
I loved her. Her personality is everything!! Small little financial mistakes but she can absolutely overcome them. She’s my favorite guest.
Totally agree. She is going to come through.
She made my day better, somehow
Caleb’s pure joy in his face when he thought she had $22,000 just sitting in a savings just to then be heartbroken😂
she : *“$22K”*
Caleb : *bluescreens*
There’s something just so refreshing about an insanely transparent person who just completely disarms Caleb 😅
Agreed I love her personality she is probably my favorite guest so far.
Well yeah cause he's always looking for a reason to say something petty and release his little baby rage
@@PugtailI find it entertaining 😅.
@@cleansweep1074 i find it both entertaining and sad. The channel is basically 'two unstable people, one mentally and one financially, meet for a discussion'
@Pugtail why are you here?
She seems more reasonable than about 90% of Caleb's guests. She doesn't have 6 figure credit card/student loan debts and she's not driving around some ridiculous money pit of a car that's going to depreciate from 60K to 10K by the time the note is paid off.
Sure, no student debt but $22/hr and not much room for growth is scary too. Aspiring to be a mom has different costs than having a career and there is nothing wrong with either of them.
@@gitseht4216Most people at 22 aren't on the career path that is taking them to what they end up doing in their 40s. It's the best time to figure out what you actually want to do before you have too many responsibilities to take risks.
@@gitseht4216 what are you talking about? She is 22yo so she has plenty room for growth. She can get additional training and education, etc. Your ability to do so doesn't suddenly end jsut because you have a $22/hr job.
@@WilC379 But you're also hampering your earnings potential. I'm not knocking it but simply saying "no student debt" is not the end all be all.
@@hanwagu9967 does working on a bus drawing blood have a lot of room for growth? would schooling have her up to $30/hr at 22 instead?
This is a very together 22 year old with the right ideas about keeping costs low, earning more at a good job in health care, and wanting to maintain the quality of her relationship with her military partner. Some changes to consider -- the pot smoking, the fast food habit -- but the fundamentals are there. Great interview, Caleb.
used carolla is an undercover top g manuver
i got one of those as my first car and still using it nearly 10 years later @@TheAnnoyingBoss
She needs to make her dad and or mom pay child support to her. That’s ridiculous that she has to spend her money on her minor siblings when her parents are still alive. 😮
Sometimes it's best to not to ask though. It can add stress to the relationship and the less info the parents have the better it is for the siblings. When you have parents who deal with addiction or mental health issues, you can't reason with them. Sounds like her siblings are old enough to know better than to rely on the parents.
Facts!
@elenapliego8712 This is also called enabling
…she should just use the 23K daddy parked in her savings account
@@elenad8712She doesn't have to interact with them at all, get a lawyer.
I wish Caleb would create a hypothetical person who would receive a 10/10 so we could know what that person did to get the 10.
My favorite audit ever. She was a sweet heart and the simple things in life bring her joy
She is very self aware and understands how to accept help. I respect that.
“Everything the military tells us, the next day, turns out to be a lie.”
Had an ex who was military and this so spot on. 😂 she’s a smart gal :) I like her spirit a lot.
As a 13 year Navy vet who spent most of her time in San Diego, I hope she goes with her husband, even if he will be on a ship.
San Diego is beautiful, and as a phlebotomist, she’d definitely have no problem finding a job. And as a married couple, they’d have a housing allowance.
My philosophy is that you can always come back home. The Navy will even pay to move him back home when he gets out, too, so there is that.
If he sticks with the Navy for the full 20 years he'll get a nice retirement on top of 401k AND Social Security. My parents both did 20 years, my mom makes a bit more, but I've seen their account balances and it's nuts. o.o
@@brianagillustration my husband retired after 22. He still works, and he has no problem telling managers that he doesn’t have to put up with their BS because he already gets disability and retirement pay. They have a hard time even digesting that information lol
San Diego is a shit hole these days, and I don't blame her for not wanting to live on a ship. I'm sure it's hard to find housing, as well. And quitting her job on top of all that?
Yeah, I don't blame her if she doesn't. I'm a milspouse and having to quit your job to move, then struggle to find another one, and job hopping every few years, sucks ass.
And even though BAH was just increased by $200, I guess it would depend on how much they get in general if they'd be able to afford to live off ship, base, etc.
@@TOXIC-jq3ryfunny you say that because I feel like Austin was a shit hole when I visited. So many people were strung out on the streets that I didn’t see in California, especially San Diego.
@@TOXIC-jq3ry there’s a chance she’d be better off being with him, because she misses him already. She’s not taking the separation well. Overall, she needs to find a constructive way to cope. Get a hobby. Make some goals.
Though it is weird for most people, I have to applaud her for getting her finances together when at least one of her parents clearly does not have their life in order.
❤❤❤❤
Nah they both clearly don’t bro doesn’t have a bank account and the mom is literally just insane it sounds like
@EliteCaNdY232 Fair enough. No details were given on Mom so I was generously giving best case scenario. 😵💫
Yeah and taking care of her little sister! That is a lot to handle for a young person.
Though what is weird for most people?
She's not totally destroyed by debt, but she could really use to improve her money management skills. This audit could be a good first step.
Yes. I wasn't smart with money at 22 but I didn't dig a big hole with student loans or cars either.
@@lot2196I think that’s where I am
@@lot2196 I'm 23 and thank God I've been smart enough not to go $0.01 into debt. I know multiple people who took out student loans and then didn't even get their degree.
My ex went to school for a single semester and owed a few thousand because of it. It's insane.
Rating "Retirement" without considering age is seriously dumb. Having started a retirement account at 22 year of age is excellent and should be rated highly: she is actually ahead most of her generation.
Bruh, she has $600 in a 401k and no ROTH. Idk what your scale looks like, but that sounds like a 1....FOR NOW. She clearly has plenty of time left, which is prole why Caleb didn't use his typical 'scare the bs outta them so they can realize how screwed they are' approach. But a 1 is still a 1😅
@@sspann Still more than what most american have by that age. Those 600$ are worth 12k to her retirement.
@@altamistral like Caleb says, "Most Americans are financially dumb", so why hold yourself to that standard. We can do better. We have Caleb🤭
I agree, his score was egregiously low this time. A lot of people who work higher paying jobs than her don’t start until 22-24, depending on when they might finish college, but should those people get a 0 for retirement because they’re a month in to their careers and only have contributed a few hundred to their portfolio? Really doesn’t make sense and his score was very low.
His expenditure score of a 0 was also too low. She was literally spending exactly at the 30 in the 50-30-20 rule, so her “BS” spending was not egregious. He only gave her a 0 because she had just a few thousand in savings to act as an E-fund, but if not having an E-fund means you get a 0 for spending then you get two zeros effectively, and defeats the purpose of the spending category.
The real estate category makes no sense because it is beyond difficult to own a home at 22 unless you inherit a ton of wealth. So you naturally immediately get a 0 for real estate and his score seems to be that you can get a 10 in real estate if you have rental properties which sounds great for a real estate score but for an overall score not so much since not everyone wants to be a landlord.
@@sspann she's contributing 4% and it's matched. This is exactly how I started at her age, increase a percentage point each year while increasing your income as you gain industry market value. I don't need to share details but I'm in very good shape as a result. Start small and early. No need to shame the balance of a youngster.
I have to thank Caleb for always yelling about math... I just pulled $1200 out of a high yield savings (4% interest) to pay off $1200 credit card (18% interest!). I didn't know how bad the interest was until I started watching this show and actually checked!
Congratulations on paying that debt off!!!🙌🏿🙌🏿🙌🏿🙌🏿
That sounds like a good move
@bjarnelundgren271 7 months later, I have no bad debt and $8,500 in my emergency fund. In another month I should be at 10k!!!!
roy was such a genuinely pleasant person to have on the show! i feel good about her changes, she has a good heart and she means well to take care of her family and her future. would love to hear back from her in 6 months!
Her situation isn't too bad! Her dad didn't model financial literacy and she's doing her best to learn and do better.
It’s hard to learn on the spectrum 😢
With her husband in the military, she should see if she can get a USAA account and get a new quote for insurance. It may or may not be cheaper, but they're coverage is usually great.
This is a great idea. As someone who shopped around and gets USAA insurance because of a relative, I’m certain she’ll get a cheaper rate with better coverage.
And if she does not already financed her car with Navy Federal Credit Union, then she could try to re-finance her car for a better interest rate.
USAA has gone down hill. Geico and AFIE provide much better service to military.
Usaa has been a blessing. When i was first trying to get a card everyone denied me unless it was secured and im not wrapping up my bill money promising to pay my bill and then usaa was the only place that just approved me for 1k and i maxed it immediately buying stock, paid it off in full, asked for a limit increase, went up to 7k, applied for another card, approved for 6k. But why would i spend the money at these rates? 😂
Caleb always says "Give yourself a score, 0 out of 10," instead of "0 to 10," but that's perfect because most of their scores are in fact 0 out of 10 😂
Lol was wondering if I was the only one hahaha
it means the same thing....
@@William47345 it doesn't
Glad ocd isn't alone lol
@@allisonatwood1945 yes it does. its meaning out of 0 - 10 what score do you pick. If you can only comprehend something based on one way its said you have a low IQ. Any normal human would and does understand him and its make 100% sense. only to OCD tisum people does it matter. see a neurologist please.
I knew Caleb was smart but today he reached Mastermind status. He dropped a Financial Audit sponsored by SoFi about student loan refinancing at the SAME TIME we get the announcement that SCOTUS says no student loan forgiveness. 🤯
Well played, my man. Well played. 👏
Dang, I hadn't seen the decision yet. (Even though I knew this was the most likely outcome.)
@@gidgetgetscraftyit came out this morning
Thank god all of the justices are actually good on this issue and voted that down. That was so illegal.
@@PaladinSalt they had 3 dissenters not 'all of the justices' were onboard
SoFi offered me 8% interest to refinance my loans. that’s some bs
My husband is currently stationed in SD. Military housing is your best friend, girl. We live in a home we could not afford if it wasn't military housing. She's gonna get here and completely change her mind. 😂
Edit: She needs to apply for her CA phlebotomy license now! CA licensing is S L O W, but they pay more than she's making now.
For some military spouses, leaving our families and personal lives behind is not worth the move for housing compensation. Sometimes being near family is more important.
What a charming guest, love seeing a hardworking young person get the guidance they need while it’s still early
*** Coming from a military household stationed in San Diego right now!***
Planning moves/living based on military housing is horrible. They tell you months in advance when you’re moving but based on schooling etc that can change and mess up your moving cost (rent/mover quotes)
They shouldn’t do military housing, they should rent local. They’re going to take all of his allowance. Renting outside is cheaper and he most likely will save ALOT OF MONEY.
Ever since watching Mr. Hammer I could confidently say my score went from 0/10 to 1/10 🎉🎉🎉
Thanks to Caleb, I pay off my credit card now every pay check I get. I’ve been debt free for a month- I’ve even started to use rocket money all thanks to this man! Thank you Caleb for the education you have given your community and those outside it!
Congratulations! 🎉
Just curious, what is Rocket Money do or what is it for? 😮
@@pedromata133it's a finance budget app. Very useful
Caleb’s sneeze in the beginning took me out 😂 , bless you.
🤣🤣
“Let him be a big boy and figure out his own fricking life.” You are the best and she’s taking the criticism so well.
y'all sad men calling her a dependa just cause she's a military wife. she's 22, works 50 hours a week, makes 50k a year. she puts stuff on her card and he pays her back.
she's the farthest thing form a dependa
And helps raise her siblings AND is willing to work more hours.
Who called her a "dependa"?
The internet in general has gotten so damn misogynistic. This shit is sad but it isn’t surprising anymore.
I have scrolled this far and nobody called her dependent. If anything Caleb was the one who clickbaited that she was a military wife
I know she's living in Austin, but everything about her screams Wisconsin to me. I wonder if she's from the rural midwest.
I’m from Wisconsin… she surely isn’t from WI!
@@Thefluffytutuyou know everyone in the state? lol
So thrilled I found your channel - I've been binging the videos for weeks now. You have a great variety of clients and it is so interesting to understand how other people manage their finances. Thank you for giving the gift of financial insight and clarity. Can't wait to see where your channel will go from here!
Thank you so much ☺️ ❤️❤️
Here's a boba tea on me. Any leftovers can go towards some taquitos. 😂 Keep it up Caleb! Sometimes the only way to learn is to feel the heat from your mistakes. Everyone's story is different and it's great how you capture this via financial audit and provide insight towards financial literacy. I'm looking forward to your continuos growth!
Haha thank you so much 🤤🤣
@@CalebHammermake sure to get taquitos twice a day with this!
She seems like the most level-headed and best off people of those you've chatted with
She is so genuine! I believe she will do well and actually use his advice. It sounds like she didnt have parents that could give her good advice, so Caleb filled missing piece for her. She is obviously very smart, and eager to learn. She listened intently, didnt make flippant remarks and asked really pertinent questions. She is about the same age as my kids, and im really impressed by her!
Aw I feel bad for the kids. How unfortunate about her parents. She's an amazing person for taking care of her siblings. I figured she had to grow up quick because of their situation but she's doing really well to be honest. I wish them all the best and I hope she'll get that house and those kids :)
Per her younger sibling she should be able to allocate some of the money that her father received for his inheritance from his aunt towards her younger sibling. She shouldn’t be responsible to be raising a younger, brother or sister. Sounds like the parents are neglectful and that’s super sad. The money is allocated in her savings account from her dad. She should call her father and let him know that she’s going to start allocating a portion of that to food for her younger sibling Along with necessities if her younger sibling needs that as well.
Yep. Everything the family court would order him to provide.
She is so adorable and very intelligent and aware!
Watching your videos has helped me and my girlfriend realize we’re doing poorly financially. We just put off our vacation to focus more on bills. We plan on having no fun until October to pay off our credit card more and put money into an emergency fund. She just found out her savings account is growing at 0.07%, I opened a savings account with capital one and it grows at 4.1%
I don't think Caleb gives her enough kudos for being in this spot. She gave herself a 5.5/10 and I think she was pretty spot on. Caleb only thrives on trashing people but never really gives props when they're needed. She's 22 and seeking advice with little debt when he has people in their mid 30's with crazy school, mortgage, and car debt. She's doing pretty good
I know she said she's 22, but if I found out she was only 14 - 16, I wouldn't be surprised
I thought she was way older. Like mid 30s.
Really? I thought she looked much older than 22. 35ish like the other guy said
@@rest0re871must not be in your 30s yet. It's interesting to see how old everyone looks to young people. I'm in my 30s, so she looks like a child to me, but I wonder if I was in my 20s if I'd think that.
Agreed! Before she said her age I thought she was going to say 18/19.
@@FlarkusChunswen she acts young but looks to be in her mid-twenties early thirties.
I really like her attitude and transparency she looks like she’s willing to make it happen and I didn’t hear her complain about anything
I love this girl
"Is your dad a weird guy"
'yeah he's a real weirdo' 😂
Poor little thing. She landed on her feet. She just needs to straighten up and grow up. When she and her husband are in their fifties, wealthy and retired with grown kids, they’ll laugh at how dumb they once were.
She seems soundly grounded considering her family upbringing with crazy parents & taking care of a younger sibling... just clueless like the education system sets us all to be.
Never gets old… love this show.
Always bring out the best videos and on time as always!! Making people more aware of how dangerous debt can be!!!
Just made breakfast. Perfect time to watch Caleb's blood pressure skyrocket while he scolds monitarily flippant people
Thanks! My home equity line of credit was at $22,839 on January 1, 2023. I just paid off the last bit, so it is now at $0. I wanted you to be the first to know, Caleb, because you have lit a fire under me. Thank you so much to you and your brave guests!
I was wondering who names their daughter Roy but then she said they're crazy so makes sense. 😂
She's such a sweetheart I just love her! Wish her all the best! ❤
anyone under 18 should be supported by dad's savings fund
I love her spirit. I feel like she can do it! Rooting for Roy!
A 2016 Corolla goes for 15-20k right now depending on mileage so she didn't really "pay to much," she just didn't have any idea how to buy a car. Corollas are pretty bullet proof and hold their value well. I would laugh at any dealer who told me I couldn't put more than 2k down and walk right out of that dealership.
Family situation sounds crazy. Should go ahead and spend "dad's money" to take care of the little sister.
She needs to contact some Navy support groups at Coronado. They can help her out understanding how base housing works. In my experience, the spouse network is better than the military and not only can they give her some answers, they can guide her to some employment as well. There are resources, you just have to do a little research and call some people
That sneeze thou 🤣🤣
The sneeze stain on the sleeve 🤣
Just got a new, closer to home, higher paying job, with a great retirement plan AND advancement opportunities!! Thank you Caleb for getting me to reassess my finances and decide to make the jump to a better career! Next up, emergency fund and then saving for a new-to-me car!! Thank you Mr. Hammer!
Another advice is to stop smoking weed at least for the 4 years your husband is in the military, cause they do random vehicle searches at the base gates, and if you only have one car, and they find any bits of weed in the car, he can get in massive trouble even though your the one doing it and not him, same goes for cbd it's 100% 0 tolerance
And after he gets out of the military. He can use a va home loan to buy a house
Even if there’s nothing in the car, the car, their clothes and everything else they own is permeated with the stench. That cannot possibly help their reputations or his career.
@genxx2724 the smell isn't going effect anything, even with a dog, they could just say they let there family use the car and drug test me and everything, the military goes off if they find actual evidence that can hold up in a njp or court martial.
I knew someone a few years ago when I was in, his wife would smoke, and he was serving his wife forgot a small bag in the car, and he had a random vehicle search. They found the weed and get got in massive trouble. Almost at his 20 yr mark, he even tested clean, but it was in his car coming onto base
My husband is retiring from the Marines today! We got married at age 20 and 22. We have 8 children together. Military life has the potential to grow incredible wealth when played correctly. I'm glad she's in your studio. She needs therapy and financial guidance. Her life with her husband can be awesome now and in 20 years.
While you might like it, this sounds like my personal hell
8 kids holy shit congrats 😂
Agreed. I retired at 20 with the AF and my husband is on Active Duty. I was enlisted and commissioned as an officer at the eight year mark. There are many opportunities to excel and achieve financial success.
@@florihaeI was thinking the SAME thing!!
8 kids, what the fuck?
I love the young guest. They are just getting started so even if they make mistakes they still have the potential to change their mindset and make their money grow. 😊
She may be one of my favorite guests! I believe in her
Anyone else get really spooked by Caleb’s sneeze in the beginning? 😂
Same here lol
@@rest0re871 I’m just sitting here at work listening to this and got jump-scared by how sudden it was 😅
Paying into a retirement account wasn't even on my radar at 22. She's doing just fine.
I think you should be using those funds your dad is keeping in your savings towards taking care of his 16 yr old daughter (assuming that’s his daughter)
Agree 💯
And keep an accounting for when the 💩 hits the fan, so he won’t have a leg to stand on.
It’s so nice to see someone in their 20s who is actually willing to listen to Caleb’s advice.
Money guy car rule is 20/3/8.
20% down, paid off in 3 years, payment no more than 8% of gross pay. And should be investing more than the car payment.
Great content as usual! These have Inspired me to generally chat with friends about how are finances are going. Keep it up!
They're my fav
Money Guy also provides some nonsensical financial advice, too.
It's so hard to plan anything when the military is situating it. Moving was SO wonky when my husband was enlisted.
Sometimes you have to pay out of pocket for some moving expenses and then they reimburse you. Sometimes you put it on a military credit card and then they pay you the money to pay it off.
Overall for being 22 I feel like she's doing pretty well and has a good mindset!
Slap that like button for our boy Caleb
Shlapped
That like button just got dunked on
I slapped it. My phone fell out of my hand and it cracked the screen.
You owe me.
Epic
She seems like a personality who may enjoy participating in community gardening - different places have different setups, but she may be able to get a small plot for a small annual fee and grow some food to also help offset costs. That's what my husband and I are doing this year (I'm lucky in that my work actually offers the plot, but most likely it will be through local community rather than work). However, I also grew up selling produce at a farmer’s market and grow plants for a living, so it may be more difficult for someone new to gardening.
Also, I highly recommend finding international grocery stores - at least where I am, they tend to be cheaper for fresh vegetables
Thanks for keeping up with these! They really help me stay motivated and on track!
Pleasantly surprised at how not annoyed I am listening to this one. We’re rooting for you, Roy!
This video’s title is totally clickbait bc Roy is a gem! Just super responsible, sharp, and such a good spirit.
This young lady really has it together and wants the best for her and her family
It’s awesome seeing a young guest take Caleb advice seriously 😊 she’s on a great path !
hey mariguzman 😊😅
I like her so much, she is so sweet. She will have so much fun in San Diego, it’s the best place to get stationed!
I love to see a 22 yr old putting 4% to 401K. It felt so insignificant when I was that age but you keep increasing it and eventually you’re 40 and sleeping well at night knowing you’ve planned for “what’s next”.
This episode was great, I like hearing about people who aren’t in thousands and thousands of debt. This advice is more applicable to someone like me who isn’t the best at saving but also isn’t in any debt
"Everything The military tells you the next day is a lie" is the most truthful thing I've seen on one of these shows
I'm impressed with this guest. Getting your life together in this way when your parents never did is difficult. I think she's going to do great.
We didn't get squeaky Caleb, but at least she's doing ok.
favorite comment
He gave her a far too low Hammer score. She spends on unecessary stuff, but generally lives within her means. Other than the car purchase- and compared to most of the folks on this show who buy $40k SUV's while drowning in debt, her Corolla purhase isn't insane. She even manages to put small amounts into retirement and savings. It's crazy to gave her a zero for that. The zeros should be reserved for those who wildly spend and continue stack new debt upon their existing debt. I'd give her a 3 at least.
I don't know why I enjoy this so much, maybe it makes me not feel as bad about myself.
Schadenfreude channel
@@Navicerts Nah I am a 1-2 100% 😂😂
Keen for the check in with this one!!!
It’s always a good day for a financial audit day!
She’s actually cool. Reasonable.
Best episode I’ve seen.
Had me laughing a little too hard after that 😂 0:20
yea I paused the video on 21 sec by chance and was like
Caleb, I used to look at my spending and say 'Ok self you spent $700 this month on bullshit. That's spending $23,100 of future you's money.'
After looking at it this way, I really thought twice about spending every dollar since it's worth $33 in retirement age... In my 20s it was anyway. Now I'm an old fart.. although a rich fart who can live comfortably.
Caleb did her dirty in the thumb nail. One of the only people to ever come on his show to actually completely listen to him.
Caleb you're a superstar. I can't get enough of this channel. Could you do a video or simply post your top personal finance books?
I'm glad he brings up the vape thing a lot. There's going to be a lot of people with popcorn lung after a while wondering how that happened.
People have no idea seriously. I work at a major children's hospital and these kids' 🫁 are jacked up. The weird part is that a group of kids can vape the same amount together all the time and one kid will get severe lung disease and the others won't. We just have no idea why certain kids are dying and others are just fine after smoking the same exact stuff 😮.
@@bko2613 I remembered when it had just taken off, I was a bit out of highschool, and a 17 year old friend of mine was getting big into it. I tried warning him but he wouldn't listen. Fast forward a few years and he feels his lung capacity has permanently decreased. Worst part is he got his younger brother into it and now he regrets it big time as his brother refuses to give it up.
Watching these makes me very strict with myself. I’d love to see Caleb interview people who are doing well so I can learn even more
This young woman has a great head on her shoulders and is super sweet! Yeah she has some stuff to improve but she seems to be in a good place and seems to have gotten there with little to no guidance from parents. I wish her all the best!
I like her. She seems lovely and receptive
Caleb has begun to help me so much. I deleted the sephora app and dropped ipsy, where I was too tempted to buy the fomo deals. Also...started saving finally and the best part is everything I'm learning (late for me) ....I am teaching my kids about now to set them up for success! Thanks, Caleb!!!!
Hey very cool! I’be been a phlebotomist for almost 15 years now. Worked at labs, hospitals, mobile phlebotomy etc but now I manage a Plasma Center (about 60k not including bonuses). Keep at it, different places have different opportunities for advancement and plasma has a huge future!
Hey Caleb! I'd like to see more active duty military financial audits! The military offers a pretty unique financial situation for both the member and their spouse (i.e. moving, retirement pension, rank/years of service pay increases, etc.). I would be interested to get your take on how to optimize the constant uncertainty of where and what next. Thanks!
You likely won’t see many active duty service members on this show if they have lots of debt because that can negatively affect their security clearance.
Interested in this too! Not all financial audits have to be negative with debt. Debt does play a role in security clearances, however, financial literacy does not.
why? @Caleb is clearly not familiar enough with military situation to be advising anything. He is ignorant of many things which directly impact Roy's finances, so it's cringeworthy to hear him provide advice on her budget and is harming Roy more than it is helping. There are universal basic fundamentals, but her situation is just beyond his scope of knowledge.
@@hanwagu9967 can you clarify?