This Dude Is Choosing Yu-Gi-Oh Cards Over His Financial Future | Financial Audit
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- Опубліковано 8 вер 2024
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*Makes a purchase on a credit card he’s trying to pay down*
Caleb: “You’ve activated my trap card!”
That credit card has an image of Pot of Greed on it 😂
Caleb: my trap card sends your credit card to the graveyard because YOU ARE NOT A CREDIT CARD PERSON
LMFAOOO 😂😂😂😂😂 this is hilarious
🤣
😂😂
This guy is single handedly sending his credit score to the shadow realm.
When two Dark Magician Girls go round the outside!
Debt is back, tell a friend!
💀💀💀
😂😂
Activates Pot of Greed and draws 2 more years of crippling debt into his life
I'm dead 😂
“You should collect wealth”
“You know what’s rare? Americans having enough money to retire”
Loving the comebacks this episode 🔥💯
Yea when people are healthy financially they can collect trading cards as part of their wealth. It can be considered an asset but this guy isn’t debt free and funding his retirement. Those steps come first but even then the trading card hobby needs to be regulated by the person bc it can become addicting
Yeah, but is wealth holographic?
Caleb was definitely slaying with the quips 😅
Hi everyone, it’s Joey from the video. A few key takeaways from this:
1. All of the Yugioh jokes are hilarious. Please keep them coming 😂
2. My energy levels were kind of low during this as I was tired from the 13 hour drive to Austin. I feel like I didn’t do the best job presenting myself and my situation and I apologize about that. If Caleb is gracious enough to invite me back for a follow-up I will try to do a better job!
3. My wife and I have decided to cashflow the rest of her school as it’s very cheap and we can cut some eating out and yugioh cards out of the budget to pay for it.
4. I failed to mention in this video that I can’t transfer my GI Bill to my spouse or kids unless I reenlist in the military and do 4 more years of service which, respectfully, is ✨not happening✨
5. I hope you all have a wonderful day and don’t make poor financial decisions like me 🙂
I didn’t read you as argumentative. I mean some excuses but I thought you were cooperative!
Best of luck guys!
What was the Naruto card though???
Hey! don’t worry about it we thought you seem like a really cool guy as well. It’s important to keep a smile, I thought he was a bit harsh with you 😂 good luck on your journey
Pro tip: File your VA claim within the first year of getting your DD214. You will have the presumption of service connection for your injuries.
Hey man, I'd love to help you out on your journey in cyber security.
Being a person who worked part time at a comic shop who sold these cards I never met anyone who played this game that wasn’t constantly broke
That and Magic the Gathering
Except us TCG dads, we know how to balance it
Only thing worse might be Warhammer figurines.
I think TCG’s a primarily played by addicts. Meaning if they are addicted to spending to fill a void in their life. I know, I one of them off and on. I still by singles even when I have no one to play with.
This makes me feel better. I feel I can't get too deep into any TGC or table top game the way I want due to just not wanting to spend so much. I keep asking HOW is everyone else affording this?! Now I know....
Who’s here after seeing he’s paid a lot of his debt
Me!
Was there an update??
@@Stephyabblook up financial audit follow up Joey. Hopefully it’ll show up. It’s a brand new channel and it’s the only video so far
Yeah, put the link in the follow ups
I miss Caleb’s energy from these older videos
I went to college with Joey & was in the university-funded Yu-Gi-Oh club with him. Honestly he's a great guy and I'm glad to see he's taking his situation seriously. Wishing the best for you man.
was it duel academy? :P
@@TheLaisha10 KSU duel academy 🤣 yeah
Joey seems like a real down to earth guy. Are you still friends with him?
Joey Wheeler?
@@HeroC14 im fucking ded. the yugioh boy is unironically named joey 💀💀
Your move, Yugi Boy.
Myessssss
LOL
It’s NARUTO actually 😅
You're*
@@juliuscaesarsimp3430 What? It is your. Your is possessive. You're --> "You are move." That makes no sense. If you are gonna be an annoying grammar cop, at least be correct.
When Joey Said “Fo Sho, Fo Sho” I needed that today and will start taking my financial situation seriously. Thank you
The awkward “ok” 😬 Caleb gave after the ‘fo ‘sho was super funny 😂
19:33 for those that need to revisit it
Haha!!! 😅
That had me rolling 😭😭😭
Mfer thought he was 50 cent for a sec.
the switching from "yes sir" to "fo 'sho" 🤣
You're a collector? "You should collect wealth." actually got me to burst out laughing. Caleb serving real Bobby Berk energy.
This guy just wants Caleb to blow smoke up his ass for things he’s done and doesn’t want to give up his bad habits.
Same
Great Line. One of the reasons Caleb is blowing up
Such a good line
That made me literally LOL
Shout out to Caleb's editor for the blue Subaru. More important than that man's financial score.
"It was a rare opportunity!"
"YOU KNOW WHAT'S RARE!? AMERICANS HAVING ENOUGH MONEY TO RETIRE!"
This is why I love your show.
😂
Retirement is overrated. You’ll be too old to enjoy your money and planning to live until you can’t move or go to the bathroom by yourself sucks.
@@alia1824 it's complicated because no one knows if they'll rich old age. That's why people want to retire as early as possible.
“You should collect wealth” 😀
@alia1824 so is working until you're dead
Caleb, I think you should make it a rule that married couples MUST agree to come on the show together. It's just agonizing watching as you try to understand each couple's complete financial situation.
Very good point.
Yess!
That would be great honestly
I feel like that would lower the number of guests he can pull for the show.
Or at least be more organized and come ready to discuss debt amount, exact payments, etc. In this video, they took the wife’s income into account but not her debt.
I am so glad Caleb commented on the $1k saving emergency fund. He was like, "yeahhhh, maybe in the 90s". And I'm so glad he said this. $1k is not a lot these days.
I agree. $1k is basically nothing. Hell, I've had car repairs total over $1k. If that was all I had, I would've been ruined!
@tenhundredkills exactly! I used to follow dave ramsey, but I noticed that $1000 was not cutting it. Had so many repairs like you that was over $1k and had to pay them back in payments. Now I have a bit more cushion in my savings in case anything happens.
@@sandrab1594 I think Dave Ramsey still suggests $1000 because of the psychological approach, not because it's a lot of money per se. When you have absolutely nothing and/or tons of debt, $1000 can give you a bit of confidence to tackle your financial issues.
I'm mostly positive that Dave also advocates an emergency fund of 6 months of expenses. That's definitely a good idea no matter what.
I think the $1000, especially currently, isn’t supposed to be an “emergency fund”. A: they call it a starter, so it’s literally just supposed to kickstart your savings mindset.
B: it IS something, because someone broke in debt doesn’t have $1000 saved. And you’re going to borrow for an **emergency** anyway when you don’t have any money, but now you have a $1000 buffer.
C: it helps build the habit of not wasting your money, you save a little bit intentionally and then as soon as possible, all your free cash goes into paying off your debt.
I make about 50K and I’m managing to pay off $21K in debt between January and November of this year.
I did use my $1000 emergency fund to cashflow travel for a last minute job opportunity that’s helping me out big time.
$1000 pays for a windshield, it pays for medications short term, it pays for a car part you can change yourself, it pays for an Uber when you need it, it pays for a round trip flight for a funeral, etc.
If you’re running into $1000+ emergencies multiple times a year, I would bet you’re either not doing your best to manage risk in your life; you need to lay your sh*tbox car to rest and get a cheap one that runs; you need to search for better solutions to your problems; or you’re the mostly depressingly unlucky person you know. Or you own a house you should sell, a boat/car you should sell, you’re a parent, or genuinely medically screwed up (in which case life is already different for you and this generalized strategy doesn’t work because you’re exceptional)
@@sandrab1594 Dave Ramsey is an out-of-touch Boomer clown. His investment advice is god awful too.
As someone in their 30's that helps run anime conventions, I am amazed at the poor financial habits exhibited at them. People will "save" up for them, but that really means just dumping an emergency fund on them.
In the past I have tried to room with people who can't afford to split a cheap room 4 ways for the weekend, but they can dump $300 on merch with another $200 on food and just drive 2+ hours each way to attend the convention.
There have been bidding wars during art auctions where someone will tell me "I just got paid and will dump my entire $1200 check on this item."
I am considering hosting financial literacy panels at conventions because so many people in their 20s and 30s think 401k is some new isekai anime.
Nice Idea!
Maybe they will switch to Beanie babies!! They are making a fortune right now!! I wondering if people would go to your panel?
I bought my sister tickets to NYCC this year, no extra, basic single day ticket for four people, $330. I could not imagine doing more than maybe one a year, and that’s JUST the ticket. Absolutely bonkers what people will spend money on.
Oh, this would be awesome... maybe include free copies of the Manga Guide to Personal Finance. And if doesn't exist, we will make it exist.
They seriously need to make an anime about financial literacy, something like "Cells at Work" but instead of the body it teaches about saving and how to budget. Maybe then they'll get it😂😂
As everyone knows, the most powerful card in Yu-Gi-Oh is the Credit Card.
Those cards are as worthless as fast food buying. Once the trendiness goes so goes their value..............has happened many times before on other 'collectibles' such as Beany Babies etc.
@@dawnklug6986you’re ignorant on collectibles. Sound like somebody who doesn’t know how
dead.
@@dawnklug6986sure except Yu-Gi-Oh has been around for 20 years
@@dawnklug6986beanie babies and yugioh are the same generation, yugioh is a very successful card game, beanie babies have no implications or competitive aspect to them. There are less than 5 beanie babies worth over 500 bucks. There are dozens of yugioh cards at that price point. Some with very solid sales rates. Beanie babies are a terrible comparison.
I’m 47, and financially I lived my life just like this guy. I have a house full of crap I’ve bought over a lifetime, but it’s all worthless. I cannot describe the constant fear and stress of never knowing where your next meal is coming from, and knowing that the next “emergency” will put you on the streets.
STOP MAKING EXCUSES. START MAKING CHANGES. You DO NOT want this hanging over your head at any point in your life.
One man’s trash is another’s treasure. There’s huge opportunities right now for reselling and flipping older vintage games and nostalgic items, you may be sitting on a gold mine and not even know it.. look into sold listings for the items you have and you may be surprised!
yeah if you had bought a pokemon Booster Box in 2000 at 80$ you would be selling at 15K right now, chance are that guy will be laughting a caleb in 20 years when selling is yugioh card
Thanks. Only in my 30s, and only finally started cleaning it up this year. So it helps.
Joey Wheeler believes in the heart of the credit card 😅
He needs to stop spending money like Seto Kaiba
Laughed a lot at this
@@Dethmaster64he doesn’t use money he apparently steals them like that blue eyes 😂
Dont hate on joey wheeler He spent the majority on his prize money that he won on pegasus island for his sister's eye surgery 😢 no wonder why he's in financial debt
“You know whats rare? Americans having enough to retire” - Caleb Hammer, sent Joey to the Shadow Realm
“She was making HELLA money. $15 an hour” that’s minimum wage where I live 😮
Plus tips. Which usually is even more and hour.
I think when Caleb hears phrases "To the best of my ability" or "I plan to" he knows the battle is already lost for this person.
yes!! i think the same thing because they’re mentally already leaving room to go off budget ..
100 percent!!!
In general, hope is one of the most sold things
Yeah and other little things like Joe carting about what color car they put up for his wife, he cared more about that than basically any thing else. Just shows a lack of seriousness
Everybody knows that the deadliest Yugioh card in existence is the Credit Card 😂😂
Also: digging the new angle and set up!
It depends, if you borrow thousands, its your problem, if you borrow millions then its the banks problem.
@@thunderb00mbut do Banks have the necessary negates, floodgates or hand traps to play through the unbreakable boards? 🤔
Vintage Yu-Gi-Oh card collector from the UK here. I spend bits of money after payday on cards for my collection but I also have savings, no CC debt, no car debt, no phone contract and a solid portfolio and pension built up. It’s called balance. If you can’t afford something with cash don’t buy it. I’ve passed up plenty of “once in a blue moon cards” and that’s why I have no CC debt.
Look at you
If you can’t buy 5 of it, you can’t buy 1 of it
Living my best financially literate life @@flonkas
@@flonkasboi you being sarcastic but man’s is killing it
I like how he wants to change but is not willing to give up his spending for hobbies.. that’s literally the first thing that needs to change lol
Makes you wonder why people come on this show.
I think he wanted the wake up call but so far it looks like he's only going to change if he hits the bottom
The saddest part is that for a lot of people it’s that easy.
Spending less than you make shouldn’t be some huge revelation or financial advice but if everyone followed this advice essentially nobody would be in debt
I really wish the wife also participated in this episode. The best plan in the world is worthless without her buy in. I wish them the best
its an airmen who married someone too early in their life, they're doomed for divorce eventually
@@mishacerna5651 We’ve been together for 10 years, we met way before he even considered being in the military. 😂 good try!
@@kamipurserlook another idiot that doesn't know the divorce rate in the military. Shit is terrible
@@kamipurserBlue Subaru 💙💙💙😎💪
@@kamipurserPeople just have a hard time thinking good relationships exist. I almost can blame them with my experience. So happy you guys found each other and I hope the best for you two💛💛💛.
100% not gonna follow thru Caleb’s advice. Waste of a road trip
I learnt the hard way I've followed trades of a couple UA-camrs and I'm down so much…210k to 80k. It got addictive. My resolve is the lot are amateurs. No disrespect to Caleb.
@@bukki07 You are not investing, man. Sorry. You are gambling.
Before you make an investment decision, consult a fee only advisere, taking advice verbatim from youtube is like going to the intern to take lessons passed on from the professional.
how can one get a fee-only planner? I've heard about these but don't know how to find them
You can find them online, make sure theyre registered and have a fduciary responsibility with no disclosures, I work with *Loren Lena Walker* you can do your own reserach
Still digging myself out of CC debt and today I finally made myself write out how much I owed on each card and their interest rates. It’s not a lot of debt, but I was so scared to face all of it that I just pretended it didn’t exist. Feels good to face it finally.
Good for you ! You got this 💪🏼… I wish you all the best with your journey !
Yea! Facing it & understanding where you are at is truly the only way to then build a plan to get out of CC debt. 👏👏👏 Then you get to formulate a plan to stay in the black & build your future. So happy for you!🙌
Hey! Good luck on tackling it! You can do it! ❤
Caleb’s pause after he said “fo sho” is so funny
That silence was agonizing
"...okay"
For the WGU, to explain it better, basically you pay a flat rate for a semester, it’s like $3500 but if you finish any of the classes for the semester before the end of the semester, (you can test out of classes) then you can roll up a class you were supposed to take the next semester and you don’t have to pay any additional cost for that class. So you pay $3500 for the semester and you have to take atleast 4 classes but say you test out and finish two of those classes, then you can take an additional 2 classes for 0 additional cost. So if you push very hard you test out of a lot of classes early you can finish your degree quickly at a cheaper rate.
Honestly it’s not much but I hope it helps keeping your content coming. Thanks for hours of entertainment and educating those of us that are/were financially illiterate.
Wow thank you so much!! Means the world to me ❤️
9.99 dollars in debt. U better lock your doors from Caleb
9.99? DEATH. VOMIT. Why are we spending money online when we are trying to grow our bank account?! 🤣
@@paohloh lol I am in no means hurting financially so I can at least help spread the wealth when I see fit.
-9.99
Thanks for this series. I had zero financial education and I'm 33 with no savings, no emergency fund, with zero car payment and crazy cheap rent and several medical bills in collections. I never knew how to deal with any of it but this is helpful, thank you.
@@wordsalad01 Curious if you don't mind what path did you do to make the million?
Let's team up!
@@wordsalad01 Thank you for the insight much appreciated
@@wordsalad01 That's awesome very inspiring
@@wordsalad01yeah but why pay off your house when the interest is less than inflation?
As a veteran(navy), this persons lack of knowledge and preparation really hurts me. I know that Caleb only knows what he’s been told. I really wish Joey or someone he knows sees this comment and informs Joey. The GI bill CAN NOT be transferred to his wife. The only way his GI bill can be transferred to his wife/kids is if he transfers it while he’s in service AND serves an additional enlistment. Additionally, if I recall correctly, there are boot camps that Joey could do that wouldn’t use any of his GI bill, so he could always save his GI bill. Using the GI bill to go to online colleges in my opinion is a horrible idea. This makes your BAH(housing allowance) be fixed to the national “average”. When I went to school in SF(BAH is based on the zip code of the school), yes I know this is a really unique situation, I made $4,300/month in BAH. I only had to have 3 semester units in person a semester to maintain that housing allowance(1 class in person with 3-4 classes online). I lived in sacramento(2hrs away) where I only paid $1k in rent. His situation might be completely different, but he should definitely look into in person schooling as he could make significantly more money. Had I done online school, I would’ve made the same $1k/month in BAH. This extra income could be used to put into a Roth IRA or some sort of retirement(BAH isn’t seen as income but rather an allowance so it’s non -taxable income). Additionally, idk if anyone else caught this but he’s comparing post tax income($3100/month, including his contributions to TSP) to pretax income(60k/year). When I looked up Georgia tax laws, he does not get state taxes as a service member, but he will have income tax(1-5%) after he gets paid by his trucking company. He’s also not accounting for increased expenses when it comes to medical/dental. He could use the VA for medical, but dental(teeth are considered luxury bones) he’s on his own. Also, the VA services can vary from region to region and I know plenty of vets who just get medical insurance through their employer. Also, right now, he’s just an intern. He’s not expected to know much or work as many hours. In my field(public accounting), our interns are working 35-55hrs/week(55 for winter interns), whereas full time employees push anywhere from 40-80hrs a week(80 during busy season). I’m not very confident that he’ll able to maintain full time college AND full time employment. I’m not trying to trash talk Joey or anything, I just want him to be more prepared for his transition out of the military. I’m still having a difficult time adjusting and I got out in 2016.
Also, a note to Caleb, when service members go into service we’re given a physical exam to show that we’re 100% able bodied. Asking someone if they’ve actually got their injuries from the military brings on a stigma that a lot of vets don’t want to fall into. I know a few vets who do not seek help for injuries due to this stigma that everyone has about not having an actual disability when they truly need it. Typically, it’s hard to catch these disabilities early on(and they get worse over time) and having something on record helps with the process. At the end of the day, it’s not your judgement call to say whether or not he deserves it. The VA will have him go to specialists to see if these are real problems and will give disability claims based on those facts. Additionally, having even a 10% disability claim can open so many doors to other resources. This can be anywhere from unlocking vocational rehab(additional job placement assistance) to some VA home loan assistance(waiving certain fees). Again, Joeys duty is to report any disabilities he felt like he has gotten since being in service and then the specialists will decide whether the claim is legitimate and service related or not.
I feel like I need a financial audit of my finances but I’m lowkey to scared to dox myself and have everyone know how financially illiterate I might be, especially since I’m an accountant lol.
The military absolutely does not set people up for success. It’s honestly fucking appalling. During my two DIVO tours (got out before slating for shore), I encountered the whole gamut of financial problems with my guys, ranging from shitty car purchasing decisions by deck seamen coming straight outta bootcamp to senior POs going through divorces to Sailors literally not knowing what the Montgomery GI Bill they were paying into was. Financial resources from the ship’s CFSs to on-base “specialists” rarely provided much help - if any - and certainly could not teach financial literacy. TGPS only exists to recuse the Navy of any responsibility for failing to properly look out for Sailors. On my first ship, some of the first financial lessons a lot of junior Sailors got seems to have come from myself, another finance-background DIVO, and one of my BM1s holding basic finance lessons in the Deck Office after working hours… It was incredibly frustrating to see such an extreme level of institutional… neglect (on top of all of the other things the Navy had going for it).
Navy to Accountant 😎💪
Bump this ^
Most veterans have no idea how to properly strategize their education benefits, and it is not properly gone over during the transition process out of the military. Having said that, I agree with everything you are saying. Personally, I am leery of schools that over advertise or attempt to contact you many times to get you to apply, especially when students want to utilize VA education benefits. For those that are eligible for VA education benefits, speak with the Military Affairs/Veterans Services office prior to applying and get a feel for if you are being taken care of without the sales tactics. They should be indifferent to whether you go to their college/university or not. Just fyi, not every person at a college/university can answer veteran questions as VA regulations change often. Make sure the person is either employed by the VA or is employed as a School Certifying Official (SCO).
Caleb. You should add up all the BS expenses and tell them how much it adds up to, then compare it to something that would make their debt more tacklable.
That's what worked for me. What really opened my eyes is calculating all those small purchases and realize that they quickly add up to 250-300 dollars a month. If I save that over the entire year, that's already 3000 dollars. Imagine if I had 3000 right now. How much could that help me?
Thinking like that really helped me put everything into perspective. I don't know if it would work for everyone, but these were my 2 cents.
This is a great idea! The amount small purchases add up to monthly and yearly is really eye opening!
For this guy I'd point out how many cards decks or figurines it equates to, then explain how much intrest he's losing and TRY to explain he can keep collecting AFTER he's out of debt, and give it its own budget line
Hey Caleb, would love to see an audit of individuals with better financial situations. (No bad debt, etc) Would love to see plans that dive into suggestions around investment strategies, life style adjustments / budgeting etc. People who are actually a 7 or 9 and how they could bring it to a 10. Might not be as entertaining (less roasting lol) but would be interesting to see.
I think that would be great but kinda rocky since that would be more financial "advice" which could go sour
that would be cool, but i could see how it'd be just young well off ppl trying to humble brag or something. you'd have to find an avg person (relative) and then they'd have to volunteer to have their business out their lol. (family might start asking for $20 if they knew you were doing alright lol)
Pleeeeease do this. My past self can relate to his current content but now that I’ve put in the work and in a good place I’d love to hear people talk about what’s next
I volunteer as tribute! (If we can do it virtually.) I paid off $156k in law school debt in my 30s and now in my early 40s I’m on the FIRE path. Hope to fully retire by 50 if not earlier. Investing about $7k per month. And for what it’s worth, I’m not in BigLaw. I’m a state appellate public defender contractor making $85/hr as a 1099-er.
@@DnZnFO I think you guys might enjoy from Ramit on How to Get Rich. I love caleb cause he actually does individuals who are in a similar age group to me, not being the best. Ramit focuses on a mix of both but more of those who are couples and in that financial spot you'd like to see more of~!
@17:50 Caleb, you would be surprised by how few people get out of the military with functioning joints. I am happy he got it documented. Many are too proud or don't fight to have their issues heard and ultimately miss out on compensation for their lifetime sacrifice. A paycheck doesn't fix the issue, but it does help fund pain relief methods.
Once I i quit Yu-Gi-Oh, I literally had no clue what to do with the extra money. Collecting cards doesn't make any sense unless you have the disposable income to sustain it, and even then it doesn't make much sense
The catch there is that, a vast majority of the time, the people that are very much into buying Yu-Gi-Oh cards aren't the same type of people that make a lot of money to have much disposable income. Same with car guys.
Caleb - you’re never gonna retire at this rate and gonna die on a Walmart floor at 90
Guy - thank you so much, I whole heartedly agree!
This guy is one of those guys who has an answer to everything.
You’re killing it with this series and consistent uploads, love the videos man! Keep it up!
The thing no one ever tells you about personal finance is that your choice of life partner is so important. Similarly to choosing a partner based on shared values and beliefs if your financial goals aren’t aligned either your relationship or finances are going to suffer or both.
So true, I'm so lucky my wife is financially more wise. If it wasn't for her if be dying on the walmart floor lmao. Now we got 100k saved and waiting for this economy to turn to buy a house
1000%
Watching this i was thinking the same thing.
@@Trending_Usafrankly, it also shows a good amount of financial wisdom that you were willing to step aside and let her handle things/listen to her advice on matters. Not everyone has a mind for finance, which is totally fine, that just means that they need to recognize it and listen to those who know more! Just like how I don’t know much about home repair, so I would ask a handy friend before I try to fix something big myself.
Yeah I think people seriously underestimate how important finances are going to be in the marriage.
As someone who has already been budgeting for many years, I am so thankful for the simplicity of the 50-30-20 rule. It allowed me to review what I am doing at a high level and I see that I was too tight on food and I could increase that category a little so I don't always struggle and go over my food amount. Always learning. Thank you, Caleb!
I did the same and the funny thing is it helped me save! I used to get fast food when I was worried about going over weekly grocery budget 😅
I really appreciate this rule as well. I have always been frugal and a saver, but I was never sure exactly what % I should actually allocate to each category, or even how many categories to have. I always wondered, am I saving enough, too much, just enough? I'm actually doing 50, 25, 25 to maximize retirement saving.
The feel when your Yu Gi Oh habit makes your fellow troop with the mustang at 32% interest look like a financial savant
😬
Haha what?
@@matthewbrewer8318 Young military are somewhat renowned for getting into predatory car loans for flashy vehicles.
@@arh1234 I know about that. There's no way a bad high interest car loan is worse than a couple thousand dollars of trading cards.
@@matthewbrewer8318if you're broke buy cards...it is...
I think Joey wanted to be on Caleb Hammer's show more than actually seeking financial advice. Seems like a nice guy, but is kinda relaxed and flippant towards his financial position. "I want to make the big bucks one day". Dude you have to work with what you make NOW. Hope he considers following Caleb's plan! 🤞
He’s like every enlisted man ever. Fortunately he should have the qualities to succeed if he can figure it out.
Yeah but that actually is a great strategy. Maximizing your earning potential pays way more than cutting out taquitos. However if he's not careful, he'll end up with a lifestyle that has him trapped.
Dudes with gi bills are often in their feminine and question whether money and property even matters 😂 these millennial and gen z military people are lame as hell!!!
Everyone who is always repeats that they want "to make the big bucks" usually never have the resolve to pull through. Focusing on a professional career takes more than just a whim. It involves a lot of work and dedication than just uttering a statement.
Honestly that's what it felt like. He just wanted to bro/nerd out with Caleb. There was also some fanboy stuff going on too.
He also wanted to flex his knowledge and financial plan. Didn't seem very productive
I had an emergency fund for the first time this year - working 3 jobs last year - but my spending habits were just increasing the more money I made ... and it breaks my heart to see where the money went lol and honestly I couldn't even tell you and now my emergency fund is half of what I started with, paying of a bunch of credit card debt and again feeding into my impluse buys. As sad as it was to see it go - since watching your videos Caleb, it's giving me hope that this is just the beginning and I can grow from this. I am 30 years old, and never had any financial knowledge, but I am starting a Roth-ira and 401k now! Thank you again Caleb, for being that voice in my head telling me to put the money down!!!
This channel is entertaining, sad, and motivating at the same time.... struggling to buy a home but being debt free makes me feel better about myself.
Seeing your set-up change from your first financial audit video to now is absolutely amazing.
Honestly, this situation is so close to mine (9 years in USAF, 26, potential to get out using Skillbridge) and this dude's willingness to jump out of financial security has me considering myself. I have some bad spending habbits, but I am thankful my wife and I are still saving oriented.
Seems like a good dude. For a four year airman, he can see a legit pay bump getting out now. But for me, with a SAHM and a daughter, E6 pay has me sucking down my pride.
Edit: Oh man, so many poor impulse decisions. BAH can more than cover your place. Especially on two incomes. These people are purely living above their means.
I love how people look over to Caleb longingly for approval when there's one kernel of responsibility that they've shown😂😂😂
Caleb, you can't transfer the GI bill if you are in the military for less than 6 years. Additionally, you have to incur an additional 3 years of service. So he's going to have to get back into the military for an additional 9 years to transfer the GI bill. Now you know man.
This dude said she was making hella money followed by like $15 an hour
Just a heads up on the Sofi bonus. You ONLY qualify for the bonus if you have $5,000+ of direct deposits. And, it must be direct deposits from payroll; it can't be direct deposits from another account, Paypal, or any other mode. So, if you have less than 5k hitting your account every month (like he does), you won't get the $250.
Anything less you will still get $50.. not as great but it's something
@@jb-iu9yw Yes I am aware, but....I just wanted to throw it out there that few people are going to qualify for the $250. And, it probably shouldn't be portrayed that the $250 bonus is a likely bonus. Especially for most of the people who come on the show that are not hitting 5k a month in payroll.
Caleb always says “Hopefully someone can identify with your situation and it can help them.”
I’m not anywhere near this guys financial situation and don’t have any debt, but man when he was talking about collecting I feel it in my heart in soul. I wish him the best and am glad he came on this show.
What you collect?
Ugh, same. I collect books. I have three different editions of the same book. In my defence it’s my favourite book of all time.
@@Twiggytwiggs What book is it?
@@Twiggytwiggscatcher in the rye?
Me too mate, havent related more to a guest than this guy
I graduated from WGU and now use my degree as a software developer. Absolutely fabulous if you can motivate yourself and study on your own.
Transitioning Air Force member here! This was a good watch and I have some knowledge to share as a part of my job was processing GI bills. To transfer a portion of it to his wife, he would have had to complete an additional service commitment of 4 years, which he said he definitely didn’t want to do so the only option is for him to use it. Additionally, my husband is a veteran working in the cyber security field. He’s currently attending WGU for additional certifications using his GI bill and it’s most definitely legitimate. The coursework meets the requirements for the bachelors degree as well as the certifications so students are awarded both through the track. He’s already received some of them in the mail after completing certain courses. About it being self-paced, whether he finishes a course in a weekend or in 6 months is up to him so it truly is 100% self-paced. I hope that he sees this comment and I wish him the best of luck on this new journey!
My spouse and I were mil-mil. He saved his GI Bill for our kids, and I used mine for income as a SAHM when I left the service. I was able to bring in $1k/mo to write some essays while my kids napped. I'm looking at finishing up my GI bill funds on a certificate I don't need because it's easy money and I don't have to pay for childcare to get it.
This was a great video on what not to do when you get out.
I second using a school like WGU. Finished my MA through them and it was way more doable (and affordable) than most programs. Plus the education you get is really great too- it didn’t feel like a super-easy program where you just paid for the degree.
Yes, WGU is def a respected school. While I haven't personally gone, I got my MS in Cybersecurity at a Big Ten university and have worked with a few people who got either the BS or MS from WGU.
Why don’t you transition into my heart
My brother was able to do online classes at ASU while he was active duty for free. I think he should re-examine what resources are available to him as a vet.
This is true, my sister recently joined out of high school and u can take a few classes while being active duty, it’ll be payed for
Bro was too busy playing Yugio on active duty to take any classes. There is nothing else to do in North Dakota.
From what I understand WGU is legitimately accredited. If I was to guess, the quality of the courses and faculty would be well below the level of a flagship university like ASU. If he can transfer into ASU and do their online bachelor's in 2 years or less, I'd suggest that over WGU.
Not sure how employers will look at the degree from WGU, but in cybersecurity they'd be more interested in if you could do the job.
@@tear728I graduated from WGU in 2021 doing the Business of IT Management program, and I’ve had decent success with picking up IT based jobs with it. WGU is meant to allow people who are in the workforce to either finish a degree they started, or get a degree to supplement the years of experience. When I went it was $6k/year, so I think he’s alright going there. But if I had the choice, a 4 year university still holds more weight than WGU.
I was a grunt. No time for college classes. POGs have no excuses.
Pro tip for people that want to be audited by Caleb: Take the time to write down all of your bills instead of saying "I think..." when the host aks you what your bills are. Right away you come off as not taking your bad financial situation seriously.
WGU is legit. You pay for six months about $3500. You can take as many classes as you can finish in that degree path. Way cheaper than traditional university but need to be self motivated.
“She is going to have to finance”…dude you are MARRIED. Her debt is YOUR DEBIT. It is odd that he speaks as a single person. Me, mine, not we and us.
WGU while not a scam, isn't ABET accredited. For those considering WGU: consider what jobs you'd like to get with the degree, and check job listings. Most big *engineering employers require ABET accredited degrees if they require a degree.
WGU has a 50% grad rate. Not a good return on investment.
@@leahe2345 I haven't heard of that before and apparently my degree is not ABET accredited and I went to an actual University. I haven't seen the words ABET in many job postings.
@@TactileBiscuit4 Ah, I forgot to include engineering as a qualifier in my explanation! I come from electrical engineering, with a lot of computer science peers. While CS needs ABET less than EE (an EE degree without ABET is almost useless), it is still required for many of the biggest/top employers (think government jobs, military contractors, Apple). It's less the accreditation itself for CS jobs at these companies, and more the reputation of the university, which ABET accreditation can stand-in for for the non-stanford level schools. WGU and other non-ABET schools can still be great opportunities for people who use them well, especially if they have contracts/contacts at companies, but a lot of older people in industry still look down on them. I just want everyone to go into college & its debt with the most knowledge possible
@@leahe2345 That's fair. I was in the college of engineering but my degree was in Computer Security. The computer science degree is ABET accredited though, so it's close. Looking for Cybersecurity jobs though, I haven't seen it brought up before.
“You should collect wealth” killed me 😂
Dollars are the best trading cards
I mean… some of those cards can be worth a good bit just for some shiny cardboard
ive been waiting for a collector to come on this show 😅 it can get really addicting… i was 18, just got into college, pandemic hit, and that shit became compulsive… like i was really prioritizing spending thousands on ‘rare’ items instead of taking care of my basic needs: buying food/groceries, furniture, clothes, makeup etc … staying up till like 6-10am to auction on items or hunt for stuff…….. not looking for a partner or new friends… doing poorly @ school and work because i was too distracted w collecting 😐 (not having time for ‘normie’ hobbies or skills so i became 100x more socially inept..)
looking back im just disappointed i wasted so much time and money on that stuff instead of working on myself, building savings, and putting myself in more social activities………
i still love my collection, but im 21 now and really need to focus on getting my life together. selling half of my collection (keeping the ones i really love for now) and making a shit ton of profit felt realllly liberating….. assuming u dont spend that on other collectibles…
like you dont realize how much ur holding onto this stuff … it starts to weigh u down, especially when ur broke and looking at ur life like wtf am i doing :/ i dont know how to explain this lmao
this was the most relatable situation so far- thank you
i'm a collector too and i was waiting for one to come on as well! im 21 as well and lowk did go a little crazy during the pandemic and im downsizing right now, but i don't regret it because i met so many of my best friends through the collecting community and it brought me so much joy when there wasn't much going on in lockdown. but i totally get you and it's really good to find the balance between focusing on studies and real life & hobbies.
Depending on what your buying cards at least hold their value or go up, for me I lost thousands trying to learn investing in the stock market. Collecting cards is at least something I enjoy, and not have to worry about losing all my money. Of course you shouldn't be spending tons on it if you don't have the disposable income. But I know what you mean about it being addicting. Don't ever buy packs for insane prices hoping to pull a money card. That's how some people I play with are, paying 200-600 for a box with like a 1% chance to not lose money lol
Thanks for the consistent, great content! I have my stuff together, no debt, own my house outright, 6 months emergency fund, etc. But watching these videos, I still find things I could be doing better. You're doing great work!
I’m a simple man. I see Caleb hammer video upload. I watch
As someone working in the cybersecurity space, while I haven't personally gone to WGU. It is respected (& legit accredited) even though it is unique for the fact that is done at its own pace. It was even partnered with US DoD back in 2015.
"Its the only streaming service i can watch track and field on."
Caleb: ".... does anyone even know what that is??"
😂 I love Caleb's unapologetically unfiltered attitude. 💯
Track and Field definitely sounds like a Parks and Rec spin-off.
I literally assumed it was a show or anime. 😂
19:35 that “fo sho fo sho” was so random. Man that cracked me up and then Caleb’s reaction was priceless “okay”…
Because of Caleb I am grocery shopping all the time no more fast food and I feel better physically. TY CH
Just started watching while I'm on my debt pay off journey. Watched so many of these episodes - scary seeing how much is close to home. Debt free in 12 months 💪
You can do it! 12 months might seem long, but it will be over real quick. Best of luck!
Stay away from the takitos..
@@TheRealCatof Thank you! Crazy when I think it only took that long to get this way but I'm on to better things. Thanks for your encouragement :)
I like the financial audits where you help people in bad situations but I think it would be cool to see a young person that is a good example of financial success that has a modest salary.
Also maybe someone who’s well on the way to being in a good situation. Like some people who are already chipping away at it. So they aren’t perfect, but they aren’t a wild case either.
@@May-qb3vx. That would be the follow up episodes if any of them bothered to actually follow Caleb's advice
Thought about applying to his show, I think I would fall into this category. But he’s only doing in person appearances and I can’t justify a trip to his location.
@@FarawayTundra is that a new change? He's done plenty of zoom ones already
You can't. That doesn't exist in the U.S.
Notice that Caleb is mostly just trying to get these people out of debt and to be able to afford retirement (based on optimistic assumptions about the companies in the S&P 500 being able to exploit workers and customers harder and harder indefinitely without society collapsing). He's not, like, setting them up to start a family or anything like that. Sometimes he mentions home ownership, but that's a pipe dream. I can't quite afford a home right now, and it will take these people decades just to get where I am.
Everyone defines "success" differently, but I doubt many people define it as "living a thrifty lifestyle and then dying alone but not broke".
Hey Caleb, for future reference, to transfer your GI benefits you need to have served at least 6 years and then you need to give them a 4 year commitment after choosing to transfer. So if you make that choice the day of your 6th service anniversary you have to wait till year 10 before they (spouse or children) can use your GI bill. It's the reason my wife is in student debt, because I couldn't transfer my GI bill to her.
The opportunity cost also isn't that bad since he has benefits and transfer credits.
He'll be like you and think it's all good until you get boned. Thanks for the service, your country's politicians never cared for or respected you, but love using you guys for a talking point.
Yugioh recently released 25th anniversary booster boxes of the first 6 sets. This morning I was strongly considering buying a complete set of each of them. I think having a complete set would be so cool. Then this showed up in my feed and discouraged me from buying them. Probably for the better.
Reprint sets are never as valuable as the originals and they typically lose value rather quickly.
@@mdel310 I know that. But it would still be cool. I started playing and collecting Yugioh as a kid in middle school. Fell out of it and then picked up playing more competitively after college then stopped because I was spending too much time and money on it. Now I wouldn’t mind just having a nostalgia collection to enjoy. These would do that for me. But it just isn’t worth it. Plus Master Duel scratches the Yugioh itch for me now. And is free or much cheaper to play.
I think the point of this channel isn't to keep you from buying fun stuff and enjoying your life. If you really want something fun and have the money for it, there is nothing wrong with going ahead and buying it. If you have a bunch of high-interested debt and no retirement, that's when you need to buckle down
@@warzoneguy6089the 25th anniversary set is pretty decent and if your looking for nostalgia that’s the best spot.
I think buying one box wouldn't be bad, then keeping an eye out for people getting rid of their sets a few months down the line. That's how I play pokemon, tbh. I get a lot of my new cards second hand.
I can vouch for WGU. Got my degree this year. You can 100% graduate in a year. I ended up just taking 4 classes a term, but a saw a lot of people graduate early.
What job did you go for
Thumbs up for Georgia 👍🏽 Thank you for your service 🇺🇸 We’re rooting for you my dude 😊
As a current WGU student, I can confirm that you can do as much as you'd like in your 6 month block of time! It is a perfect model for anyone who is willing to put in the work!
WGU while not a scam, isn't ABET accredited. For those considering WGU: consider what jobs you'd like to get with the degree, and check job listings. Most big employers require ABET accredited degrees if they require a degree.
@@guerococinero So far I am enjoying my experience. I am currently completing a BS in Computer Science. My mentor and instructors have all been extremely helpful and willing to work with me through problems or life things that arise. I have been able to work at an accelerated pace while still working full time. And while it might not be ABET certified, in the current job marketplace, I think the certifications you get while complete a degree will put you in a good position for careers or further education.
The $1000 dollar emergency fund that Dave Ramsey has spread specifically was a starter emergency fund. In his “baby steps” after paying off debt they say you should save 3-6months of expenses.
What about doing videos with people who have gotten out of debt? What was their rock bottom? How long did it take them to turn around? What did they learn about themselves and their relationship with money? How did that start? What habits did they start to fall back into? You could do the audit and see if they actually are on the right path still?
Him: She’s making hella money
Caleb: how much is hella money?
Him: $15 an h
😅😅😅 lol
Fa show Fa show
Plus tips though.
Minimum + tips. One $10 tip an hour and suddenly you are making $25 an hr.
In North Dakota though
Ooh new angle and setup!
Also I wish people would read their credit card statements more. It DOES say in there that if you paid only the minimum payment you would pay $___ (way more money because of interest) and I would take like a zillion years at that rate
"I think I'm a really motivated and dedicated individual."
"Give me an example in your life where you demonstrated those qualities"
"Oh well I feel that way and I'm surprised you didn't pick up on those vibes."
THANK YOU for calling out the bullshit, Caleb. You see this far too often in young people who just "believe" that they have this stellar qualities when in reality they still have a long way to go in proving themselves as individuals AND in the workforce as competitive employees. Literally dude thinks he's going to earn the "big bucks" just because he's willing it into existence. Life doesn't work like that. The real world doesn't work like that.
I said that these young military guys are in their feminine despite having this stoic tenor before, because of that “I’m surprised my rank and file doesn’t make you worship the ground I walk on” type attitude, because their life is acronyms and rankings. You don’t resonate anything, show it with your actions, stop talking about the free government money and why nothing matters out of both sides of your mouth. It looks goofy as hell.
As a nerd, I have been enjoying the financial audit episodes with all my fellow nerds. Also, would love to see more people doing professional entertainment jobs on this show and see what they do with their money 👀
I’d love to hear Caleb say “I’m bringing the Hammer down” or “Are you ready to get hammered?” in a financial audit whenever the auditee is being unreasonable. I think that would be so funny 😂
He's not old enough to start unironically using cheesy lines like that. 😂 I'm here to cringe at bad financial decisions, not Caleb.
That would be so cringe
And they respond: ooh, hammer me, daddy
"Im a Big advocate for myself." Me too bro, fr
Your show has seriously formed my decisions for the last few months and well into the future. I tell everyone I know to watch your video 😂 Thank you!!
Then put that 20$ into your savings
Ahahhaahha those are taquitos!
@@thisisiampie6946 I can absolutely afford to reward content creators for their work, especially since my emergency fund is fully funded ;)
Invest that $20 bruh lol
@@heimbiggysmallz $20 definitely isn’t hurting my bottom line, so I’m happy to reward a content creator whose provided me hours of useful information and valuable entertainment 😂
WGU is great! I see how skeptical Caleb is, but the semesters are 6 months long for a flat fee and you have to take 4 classes minimum within the semester, but if you finish them early you can just enroll in another! I once did 8 classes in a term because I was fairly familiar with the subjects. It’s great!
I'm going to WGU next year after I wrap up my associates. Researched it and followed it for about a year now and I'm confident in their program
It absolutely is! I’m extremely cynical when it comes to programs like this, but everyone I’ve talked to about WGU has had good things to say. A few colleagues I work with have their degrees from WGU
WGU while not a scam, isn't ABET accredited. For those considering WGU: consider what jobs you'd like to get with the degree, and check job listings. Most big employers require ABET accredited degrees if they require a degree.
@derrickfantano5701 they are regionally accredited though and ABET is more on the engineering side of things. Most listing in my area don't require it.
As someone who invests in, resells, etc trading card games, these are the people that make my side hustle possible 😂
I got my Bachelor's degree from WGU. The fact that you get certifications along with the degree is one of the reasons I picked it. Basically some of your courses are just certification prep and when you get the certification you've passed the course whether it took you a week or 6 months. Digital textbooks and pay for two attempts per cert is included in your tuition. I graduated years ago so some of that could have changed since then.
“You should collect wealth.”
That is the quote of the year 😂
Caleb. Like the set looks good. I NEED you on the other side of my screen tho! You conditioned us in all your past videos to expect you the other way!!
As someone who was in the same boat of chasing trading cards not too long ago, I get it. The quick dopamine hit of having a shiny new card helped offset my depression... for a little while. On the bright side, once I was able to shake off chasing that fleeting high, I was able to sell most of my collection for a good amount and get out of most of my debts. Trying to sort out some kind of financial future at 42 isn't easy, but these vids help. Thanks!
Yea back in 2018 I racked up over $10k in credit card debt buying mostly baseball cards. It’s gambling and back then the odds were way better than they are today in the hobby. I got lucky and had more value in cards that I pulled from boxes than money I spent on cards. Now a days I probably would have lost money. It can be addicting. It is a high when you pull that huge hit like a Mahomes auto rookie or an Othani auto rookie.
I was waiting for one like this. Nerd hobbies are a real money sink I think a lot of people dont talk about. Alpha Investments is another good channel about the financial side of MTG. These and other things that garner nostalgia or "geek whimsy" seem to create a sort of dopamine rush I can relate too, and just as dangerous as other addictions out there.
Same dude!
Yeah but you should be well and truly done with that kind of crap by the time you're 26.
I know a lot of people who formally played and then switched to buying/selling, they make bank too.
@@50shadesofgday64 if I may ask, why should you be done though? Im in a lot of groups for dads and older guys who play games like Warhammer and many are sound in their lives. Some even make extra money with their hobby. But a lot of times it's getting together and enjoying an experience. I consider hobbying like drinking, do it responsibly
@@SirSpoonthere is nothing wrong with TCGs, gaming, Warhammer 40k, ttrpgs, etc as an adult... just have to treat it like a hobby as an adult (i.e. don't finance purchases to do it, save for very expensive stuff/ trips, etc.) and of course BUDGET for it. Always do things that bring you joy though.
the constant ‘yeah i know’ ‘i agree!’ yes man reactions make my eye twitch
most relatable guest ever. I could easily see someone falling into the yugioh/magic the gathering card rabbit hole and just never stop buying cards.
It's Naruto, actually
This guy should make Seto Kaiba his idol. "Screw the rules, i have money!"
He has Seto Kaiba ideas, but not a Seto Kaiba budget.
@@Eibarwoman does that mean Caleb is his Yugi?
@@silverplug Perhaps!
For future reference, WGU can be super legit if they are dedicated enough.
3 friends
1st - worked slower than normal class pace so it was not beneficial
2nd - worked at same pace of class - not beneficial
3rd - worked way faster and got a bachelors and most of the way to a masters through classes in 2 years.
I got into tech with terrible spending habbits and I can confirm that Caled is exactly right about lifestyle inflation. If you dont develop the skills to budget and save when your income is low, you'll just keep spending more the more you make.
What were your steps for entering into tech?
"Advocating for your wants" what a chilling sentence.
Love your videos! Very inspirational and eye opening.
Caleb, just so you know. For the guy to transfer benefits to his wife he would have to incur an additional service obligation. I believe you must have 4 years on your contract to transfer. In the army I deal with this issue often with soldiers. Especially people about to retire or get out.
Caleb, I’m sure you think his school is a scam but WGU definitely not. It’s a legit, affordable, accredited school. I completed a bachelors and a masters degree (both in nursing) there in 2.5 years and increased my income by 15% working for one of the largest health insurance companies in the country due to my degrees. Plus I work from home!
Worked for ups for one paycheck then quit, went into military and tried to get out as fast as he could but also wanting to claim money for his knees, said he was an intern at trucking company but doesn’t actually want to work there it was just convenient location, then said he is actually a “manager” instead of an intern and only works 3 days a week, has a scholarship and blew it, then thinks he’s gonna use GI bill to go back to school, lmao this guy gonna make my brain explode.
He is unwilling to cut expenses. I feel the same way as you.
He was also dismissive of everything Caleb suggested yet felt like it had gone really well
Red 🚩 everywhere! Honestly if he wanted to get into cyber where the "big bucks are" transitioning within the Air Force would have been a great option. However the lack of discipline and accountability will likely prevent him from reaching his goals...
This guy wants to head in the right direction. Taking the first step is hard. Wish him the best. I feel like he will succeed.
The WGU thing is legit. You pay for 6 months of classes. They are self guided so you can blow through assignments and take the finals quickly and then take more classes. If you are a hard worker you can fit twice the credits than you normally could fit in a regular semester.