50-Year-Old Is Choosing To Die In Poverty | Financial Audit
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- Опубліковано 8 вер 2024
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Eveytime Caleb uploads. I set money aside for retirement.
Yup! Since I started watching his videos, I upped my 401k to 9%!
Hah thats actually a really fun idea
Everytime I see a taquito I think of Caleb
Every time I see a Walmart floor I think of Caleb.
I set investments aside for retirement. Holding cash for years guarantees you will lose purchasing power
I get the feeling that there is a history of addiction being left out of this story. I could be wrong but as a recovering alcoholic I know how quickly time passes by without realizing it. Decades fly by being unproductive.
Do you think you'll fully recover one day? Do you believe there is such a thing as a recoverED alcoholic?
@@PrimericanIdolYou didn't ask me but my husband is a recoverING alcoholic. He tells me that without me keeping him in check, he would probably be dead. Having a strong support network helps. Of course, it's not always easy and there are relapses sometimes. So, that's why I don´t say that he is recoverED. I guess it will be a long process. I don't know if we´ll ever put that verb in the past tense but what matters to me is the ING form at least.
@@Raphannewhy would anyone ask about your alcoholic husband
@@chickentenderlover2412 they asked about alcoholism, troll.
Agree
I’m about to turn 30. I’ve been watching you since the beginning of the year. I started with $60k of misc debt. I’m down to $25k. Still a long way to go but I feel so much less stress in my life. Can’t wait to get everything paid off and catch up on my retirement
Let's goo congrats keep it up !
Great job!
Congrats! You got this!!!
Awesome
You are doing awesome!
I don’t say this disrespectfully but I am getting the vibe that he was or is, an addict and that heavily impacted his financial situation over the years. I’m almost 8 years clean myself and there’s telltale signs. I am hoping he can turn it around and create a better life for himself.
Only sign I saw was his frayed hat?
I understand that completely and I'm 5 years sober from alcohol. I'm also 50 years old and it can be done because I did it and got completely out of debt and have a good credit score now. I now have a retirement fund an emergency fund and cash saved and all I do is deliver pizza. I live in a wealthy seacoast area and the money is pretty good for a pizza guy. I was absolutely this dude.
Yup. A few fam members like this guy. Addicted to drugs, cigs, alcohol, etc. LOOOOT of money spent of those PLUS the "taquitos" while buyin aforementioned things. Smdh
Yeah you never know but I saw it too. It isn’t the frayed hat like someone mentioned or anything appearance wise, though perhaps that does play into it. It’s the mannerisms, excuses and attitude. I can’t really explain it, just that I know how I acted when I was in it. Been sober 9 years but the mindset even when sober can be hard to escape. Walmart does sell alcohol in some states too and he skirted whatever he was buying there when asked.
Again I don’t know, no one knows and I’m not passing judgement but it is something that came to mind for sure.
Bingo
I would love to see more people in this age group on the show
👍
It’s super depressing. Like the guy who was running the pyramid scheme
same
Me too
Yep, scares the shit out of me
I’m a 47 year old type 1 diabetic. I feel for this guy, it is a big challenge. But from his blackouts to his finances, this is a story about self control.
Yeah I think he’s making some excuses
So true the jobs didn’t fire him because his diabetes but fired him do to his inability to manage it that was affecting his job and becoming a safety and liability issue.
I've certainly had lows at work, but I've never had a job that didn't let me keep candy in my work pouch or let me grab a pop or juice from the sales floor fridge when my sugar is low. Those would fall under reasonable accommodations, but I can't see him winning a suit if he is passing out from lows. That's a major liability for his employer. What if he hits his head on the counter on the way down? Can he not tell when he is going low, or does he just ignore the signs and keep working?
That being said, I couldn't imagine being Type 1 in the US. I would probably be dead or homeless. Even in Canada it can be fairly expensive, or severely limit you medication options if you aren't covered by work and we pay like 1/10th the price out of pocket. While a CGM would be a life changer for this guy, I understand not being able to afford it. It's $200 a month here. The Government only covers the finger prick testing and not the CGMs. Another example is they only cover Lantus, the older cheaper insulin and not Trisebia, the new better working insulin.
@@DeadlyTiger it most certainly falls under the ADA in the US for reasonable accommodations, same as the right to use the restroom at any point with no objection...this is also true for schools as well. based upon symptoms, either the guy doesn't realize what's going on with his own body, can't detect when he's dropping (some people have this problem) or he just has poor control. i'd be curious to see what his A1C looks like.
I appreciate Caleb asking him how often he checks his sugars- as a nurse, having roller coaster highs and lows for extended periods of time (enough that it’s affected him at more than 1 job) is NOT normal. When he said, “I am what is called ______” - I sincerely though he was going “non-compliant diabetic” (as opposed to severe diabetes) which he gives me the strong impression of. 🫤 I sincerely hope he takes better care of himself- I’ve come across a lot of patients that don’t give their diabetes the time, care and concern it demands and if it goes untreated or poorly treated for long enough, diabetes acts like cancer- slowly and horribly eats away and destroys major body parts 😣
This is pretty much worst case situation. Dude is 50, flat broke, and has zero interest in working.
and zero retirement funds.
Bet he loves his weed
@@randymoran67and? Dude could not ever take a single hit and he would still be lazy piece of turd. I know alot of people that got a early education in econ thru weed. They aint 50 making 9 bucks a hour living with there mom
Dude could take customer service calls from home and probably double his income.
Absolutely! He's the perfect candidate for remote work.
@@frumpusnumpushe doesn't give af. He has a succubus mother
Getting remote work now is almost impossible now. It’s so saturated now because everyone wants to do it.
@@southernmountainI’ve applied to lots of remote jobs, good luck with low to no experience plus the flood of applicants. Waste of time
@@andrewhinkle160it's always been that way. It's outsourced to other countries for cheap, or it's people that went to working from home during pandemic and managed to make it stay that way. Or people that have been doing it a long time. It's not an easy job to land these days.
Watching these audits light a fire under my ass each time. I’ve been picking up overtime at work and so far paid $1,035.00 towards my car loan and still going! My mindset about money has changed over the past two years and I feel confident when budgeting 🎉
Good for you! Keep going!!
Yes since watching this channel I add an additional $325 per fortnight to my retirement fund
Don't forget to save a bit. Gold helps me save. I got the fever bad. It would kill me to convert some to fiat.🤣
Good for you
Have you been sleeping tho?
In 6 months using Calebs method and a little of Dave Ramsay's advice, I've cleared 2 credit cards for a total of 4k and 4 small loans for a total of 3k. I was overwhelmed and considering bankruptcy but Infound Caleb and itemized my own account. I was embarrassed how much I spent on starbucks and got a latte machine for my birthday. Saved me $200-300 month. So thankful.
I hope you cut up all your plastic. You don't need it.
Congrats!
Congratulations! you got this!
Congratulations!!
Ayeee great job!!!!
FINALLY PAID OFF $22,000 OF CREDIT CARDS!!! These videos really help keep me on track! Thank you!
Wow! Congrats!
Woo hoo!!!! That's fantastic!
@@FireSilver25congratulations! 🎉
WOOOOOOOHOOOO!!!
Wow great job
I love that you don’t dance around the problems you see your guests facing. The respectful, passionate directness in how you talk to people is refreshing.
Came here to say this. So glad Caleb takes the time to ask the tough questions and drill down to the actual problem. It's direct, but also respectful.
Caleb I am 61 years old and my daughter introduced me to your channel. It is daughter who has been educating me on finances for the last three years. It should have been the other way around, but I was never taught about finances and had to learn the hard way by making mistakes and horrible decisions. Thanks to her introducing me to your channel, I have moved funds from Acorn to pay off a credit card with 30% rate. The amount taxed for removing Acorn funds was less than the 36.00 in interest I was paying on that card monthly. Thank you for what you do!
its never too late to start learning!
I fondly recall a good friend telling me that her mother never mentioned life could be hard... neither did my mum! Would we have listened? Would their advice have saved us from making terrible financial/life decisions? Good luck to you Cindy
My coworker told me yesterday her dad went back to school at 66 and ended up getting his masters. It is never too late to improve your life! ❤
It's especially sad to see older people in these situations. Caleb often mentions "you'll die on the Walmart floor." When I worked at Walmart 5ish years ago one of our associates really did die on the floor. No one can know how much time they have left but the older you are the better an idea you have. It must be incredibly hard trying to dig yourself out of a hole at that age.
eventually you get sick and medical and assisted living homes take it all.
Dang that's so sad 😢
I didn’t understand that comment at first. I was thinking “why would anyone be shopping at WalMart right before they die?” Than I got what he was implying lol
😢
I've not seen anyone die on the job but I've sure met plenty of people working entry level jobs because their pension won't cover their bills. The same crappy jobs that were paying my mortgage and bills, paying into my pension, leaving me with savings and allowing me to pay for major purchases in cash. They should have had their finances in order by 60. They're getting about £10,000 per year in state pension, plus any private pension and they pay less tax than me. No way they should be needing to work more than a couple of days a week to cover expenses.
The kicker about any kind of manual labor (even stocking) is you can't do it forever. Your body won't let you.
Yupppp
yeah when your back and arm starts going its time to find a new job. left arm never fully recovered.
I am an orthopedic surgeon. Every patient who’s a laborer that comes in all beat to Hell I have a conversation with. I tell them if they’re young enough to start thinking about the future and whether or not they can transition into something different while they have a chance. I know it’s tough but at some point the choice is no longer theirs.
It’s why blue collar jobs can’t find enough people. It’s a waste of effort for not enough pay (in the long run) and money you earn when you’re young is more valuable.
He is Type 1 diabetic. He has grown up thinking he would never make it to 40 and could die at any moment. I'm sure his mom has reconfirmed his fears. He really doesn't think/plan for the future because he has chosen to live in this fear of his death. Until he faces this, he will not care about paying debt or planning his future.
Good point
Good analysis. I am from France and I am gobsmacked that Americans have to pay so much for their insulin and that type 1 diabetis is such a struggle there. I have a friend with type 1, everything is paid for by social security, she is ok, she never had to worry, and she has 3 kids, one still small and works as a receptionnist at a hotel. I think the fact you know from the beginning you have medication and can manage puts you in a good place mentally ie stability and you can live your life normally.
When he said "yeah i got some savings" i got hopeful, 1k maybe 1500 or something and buddy said $25... i verbally said damn and shook my head.
I thought ...just for a moment ... he was gonna say 25.. hundred....... lol nope
I'm watching this and thinking about my situation.. 24, no degree, ~22k of personal loans deep with 640$ monthly payments on a 1300$ salary, been putting it away for a while, because I will somehow sort it out in the future, but reality has gotten the best of me, time to act and make Caleb proud, starting my journey out of the hole, will try to comeback and post monthly updates on the situation, so I would feel more accountable to make it right
It's worth it. I promise. The longer you put it off, the worse it gets. Been there, got the t-shirt (on credit or course! LOL) ...I am almost on the other side now and it's already amazing. Good luck!
Hell yea brother! Be proactive about your situation
Best of luck to you in your endeavors! I’m rooting for you!
I am rooting for you!
No More debt!!!
Since I’ve started watching this show one month ago, I’ve prioritized my credit debt and have it almost completely paid off and I’ve also managed to put $1000 into my savings. I’m scared to shit to end up like someone like this guy. My heart goes out to him but I’ll never allow myself to be in his situation if I can help it. Thanks Caleb, you’re really making a difference in peoples lives.
Same here. I am working on paying off a small amount of debt (thankfully) building savings and then tackling paying off my house. I have like $36k left to pay
@@trulygrateful7217mortgage isnt always the best thing to pay down, depends on your interest rate it might be better to invest more then overpay
I’m sorry, but it’s clear this guy’s plan was to just let everything go to collections and never pay it. I have very little faith he will follow Caleb’s plan.
His "plan" seems to be to become a movie star. Like half the people on this show. But twice their age.
He makes very little and has all types of other challanges..... Yeah skipping town on debt and not staying in touch is way easier.
Yep. Let it languish in collections and then die from diabetes. That seems to be his plan. Apathy and fatalism.
I feel like I'm missing part of a story here..
@@itsnotsupposebly6792 Like a depression and addiction aspect.
I fired a guy because of his diabetes. He worked with me for about a week and start time was supposed to be 8:00am and he showed up 74 hours late stinking of beer with cuts all over his face. He was 3 days and 2 hours late because he was "in the hospital with diabetes". He was actually smoking crack and breaking into his mother's home to steal her jewelry. He ran out of money on his crack binge so then he tried to come back to work. I'm sure if you asked him why he was fired he would say "Rusty fired me because of my diabetes"
Denial . .. it’s not just a river in Egypt.
So you didn't fire him because of his diabetes.
But that’s what the diabetic has as his crutch… I mean, story.
@@suen5006 wow you understood what this person was saying and implying about this guy.
I asked him, he said God damn Rusty fired me because of my diabetes.
True story
I have to ask……..
Does he have an alcohol problem? Drug problem? I saw my youngest brother waste away and eventually die because of uncontrolled Type 1 diabetes due to alcoholism. Watching this man is like watching and listening to my brother all over again as he slowly died because he refused to give up his addictions.
Yeah, I got some "other" vibes going on also. I am also diabetic and know the toll it can take on you, but my flags went off.
He strikes me as a smoker, drinker, and drug user. Those types frequently end up living with their mothers when they’re in their fifties and being her “caregiver”, ahem, to get the government money.
Of course he does.
Its a very common problem in the restaurant industry too, which he has stated that he was a cook for a number of years.
100% he has a substance abuse problem, his story doesn’t add up.
Caleb handled this one really, really, well. This really showcased Caleb's talent with people. Compassionate but also giving tough love that this guy needs. I hope he'll change but I'm sure he still doesn't understand the impact of his choices.
He really doesn't. He says he's motivated to change because a guy said he might need a better FICO score someday. For what? He won't ever buy a house or a new car. Why wasn't he motivated by the fact that he has NOTHING for retirement, won't be able to keep mom's house, and can't afford an insulin pump? It's like seeing a hobo lying ill and filthy on the sidewalk and he shouts "BUT MY FICO IS AWESOME ."
I feel for this guy. I’m almost 40 and still figuring my shit out… and I like a video that’s relatable.
Props to Caleb for trying to help this guy. Honestly this is what I look at as a lost cause. He's so deep in it and has pretty much no options to claw himself out of this but Caleb still listens and does his best to help.
Agreed, this one is terrifying! He seems defeated and just not interested in doing the hard work required to dig out of this. It seems like he's willing to die on the Wal-Mart floor.
@@Angela-ne9cyleast unhinged youtube comment
He is a lost cause because he doesn't care. Hate to say it but I hope he does not get his mothers house because he won't pay the property taxes on it and it will be seized.
@@deirdrekiely6187plus it’s not fair to his other siblings. They have the majority of their inheritance taken away due to their brother’s incompetence.
Dude's life is very difficult, in a way young healthy people with healthy parents won't understand. But he's also not fking trying. He seems defeated. Something is up. Depression. Drugs. Something. Maybe the new job will help. 🤞
I'm type 1 diabetic. I've had this disease for 29 years. You must have a doctor's note on file with your employer for reasonable accomodations to be met by them. I have one on file with my current employer. If they don't know they can't accommodate for your needs. I understand the struggle. Also a CGM is a lifesaver. I have a dexcom it's a very worthy investment, especially if you struggle with sugars. Health is wealth.
Please educated me if my miseducated but couldn’t he have communicated to his manager he needs to have something sugary with him while working to keep his sugar levels up? Reminds me of yesterday when I was at work a coworker of mine told me she forgot about her sugar levels and if I could take money from her to buy her a soda quickly
The way it has worked for me in my working career is that I submit reasonable accomodation paperwork via my employers HR department. Along with that is paperwork from my doctor verifying my condition and explanation as to why the accomodation is needed. If the paperwork is not approved and on file with HR, they essentially are not officially aware of my condition or needs. It's a bit of a pain to do (thankfully I've ever only worked for two companies in my working career) but it's appropriate and necessary if you are T1D.
And you need Wealth for the Health, diabetes is expensive. 😢
@@iosgaming2824 you can communicate with your manager, but you need to go to HR to have formal reasonable accommodation(s) in place to protect you
TRUTH. That flex spending money goes very quick.
Being a Type 1 Diabetic myself who has worked in a grocery store for a long time in the past, this dude HAS to be leaving something out. I sincerely doubt that he "blacked out" and was let go even if they didn't care he had diabetes. He was either doing something else that he's not admitting to or is blaming diabetes for his laziness or unwillingness to work.
I agree. Something is fishy. Plus customers will absolutely call 911 if they find an employee slumped over and unresponsive.
Probably drugs
I agree. Something fishy fersure.
Exactly
at the very least he was let go because he refuses to control his Diabetic issues. He seems fine now... you learn to know the signs, ... hell, he was in a store full of candy, a diabetic knows when to grab a soda, chocolate bar or even those better diabetic gums, bars, pills injections... like his career he is just getting by...
Many people come to recovery in their 50s, 60s and beyond.
Speaking from 18+ years of sobriety/recovery and I’m now 68.
As we say, it’s simple but it’s not easy and recovery isn’t for everyone who needs it, just for everyone who wants it.
One Day At A Time/Just For Today
💜
🏆
Dude is 270 days away from financial freedom or chaos - the choice is up to him and I think we’re all rooting for him on our end! 🎉🎉
Maybe after a first 270 days of counseling and rehab. Then maybe he could get that cheesecake job for real and get out of debt.
@@nineteenfortyeight6762lol people like this shouldn’t be allowed a credit card. “A 480 is bad” lol and I feel so bad for his mom having to live with your no good son whose leeched off you for 50 years
I’m nauseous watching him
We had to let someone go who was my EMT partner on a 911 paramedic ambulance. They had seizures and would ALWAYS forget/refuse to take her medication. She had a seizure while driving the ambulance and it was very scary. I had to grab the wheel and still crashed into a dumpster. It is what it is. We all have a responsibility to our coworkers to make sure we are taking our medications and checking our blood sugars regularly. Its life.
Wow that's just reckless. I actually thought people with seizure disorders weren't allowed to driv. Or does that depend on the state or something?
@@ramblingmillennial1560depends on how well controlled their seizures are. And if no accidents due to them on record, then nobody knows to take ur license away. So glad it got delt with. I'm continually amazed at people's blinders to certain things in their lives and choices. They refuse to see down the road a bit to where their action or lack of action impacts others. Stupid selfish behavior.
Guests: “Yeah my gerbil just died so I had to cover a lot of the costs. 6 feet under ya know :(”
Caleb: “aww I’m sorry… *looks into camera* IF YOU DONT WANNA BE 6 FEET UNDER SMASH THAT SUBSCRIBE BUTTON”
Lol great video as usual!
It always catches me off guard 😂😂
😂
His signature phrase is so morbid sometimes lol. Love it.
I'm type one diabetic for 20+ years, and I find it hard to believe his story. All it takes to raise low blood sugar is eating anything with carbs(could be a handful of skittles or anything else). Especially in a convenience store, I don't know how you dont just grab something to eat if you are starting to feel low or blackout..
He probably doesn't take care of it like he should.
And bystanders would 100% can 911 when someone is witnessed to pass out and supposedly be unconscious for an extended period of time. There’s definitely more to the story. His sugars wouldn’t just magically fix themselves.
@silverplug Trust me, I didn't always have great management of my diabetes and could be coherent enough to grab a snack with me when I'm going to be at work. With him being in a convenience store it just doesnt add up. If he was hiking somewhere with no food on him thats a different story. Definitely more to his story than diabetes...
Yeah he sounds like he is self sabotage
Replying to the comment below, but most people ignore you in health scary situations. I have unmanageable asthma and have had times where I am on the floor struggling to breathe. No one gives a shit, maybe one person might help you. Its just the reality that most people turn a blind eye
Medical conditions aside, someone who "prioritizes fun" and "dont care", serves as a warning on what happens when you prioritize pleasure -seeking activities over prioritizing acitvities that Caleb suggests.
This is probably one of the most important episodes. if not thee most important episode
That loser lives his life like a woman... property taxes alone will take his house from underneath him if the title is in his name too. This guy just had fun his whole life and pissed his life away.
I wish Caleb would prioritize his health as much as he does his finances. He’s going to get diabetes himself. He needs a nutrition audit.. hope to see him get healthier.
As someone with the same medical conditions, this guy is actively harming himself and it's already gotten him fired. Who is going to care for him when he's 80 with diabetic complications? He could more than afford $1000 every three months if he told his mother he needed to prioritize his diabetes and stopped paying her the $400 rent, but instead he's spending money on things that mess up blood sugar like Red Bull and ice cream.
@@ontopofbottom He often mentions how he's working with a personal trainer trying to get in shape and loose some weight and you can clearly see the progress over time
@@dela2612 I really can’t tbh
Caleb is always respectful to whatever job people are working. I wish everyone had to work a retail or food service job at least once in their life.
It should be our national service
I don't those type of jobs are a total waste of time if people get other options and opportunities. I don't want people working jobs they don't want to work at period but if I had to choose I want them learning skills for jobs that will pay them well enough to wipe their own butts!!! For me a tax free 2K is not worth almost doubling my old income.
@donaldlyons17 do you think shops and restaurants shouldn't exist?
@@seithroil It is ok they exist. But I still don't want everyone to have to work retail or food jobs because they are not good in my opinion.
Don’t you put that evil on the world Ricky Bobby!!! 😂
Me: violently refreshing my subscription feed at 11 am for my Caleb Hammer fix
Weird
😅😅
I got like 69 😮
Doing the same thing but it’s 11pm here in SEA!
4pm here in London
My ex-husband is a type 1 diabetic. He woke up with blood sugar low enough to hallucinate a few times and I had to practically force him to drink some juice. It's terrifying. He had to turn down multiple job offers because they didn't offer good enough insurance. It really can be over $1k per month. The insulin pump is a lifesaver, but only if you can afford it.
That being said, this guy is definitely leaving something out. I see a lot of people suggesting alcohol issues and that can easily be deadly for a T1 diabetic.
He's working low level jobs. Do you think they care if he has low sugar and passes out? I can barely get my dyslexia taken seriously in jobs... and then my employers acting all funny when they see I have a learning disability that I've told them about... Its frustrating.
@NovaDoll That's a different topic entirely. Regardless of the job or how much his bosses may care, they aren't responsible for maintaining his blood sugar. He has ADA rights, but that's a legal issue and he seems resistant to finding a lawyer. Even low-paying jobs have to follow the law.
Caleb called him out for buying junk like Red Bull and Taquitos. I am guessing he is not taking it as seriously as he could, eating junk is not going to help him control his blood sugar.
My former husband (now deceased) was T1D. He was terminated from an employer after a hospitalization. He had received great employee reviews, was dependable, so it wasn't due to job performance. Thereafter, he worked odd jobs as a fast food manager & so forth until he finally had to go on disability due to kidney dislysis. It's easier said than done to find a better job, work morehours, etc. You have to take a job that works best for you as far as schedule, meal/rest breaks. It helps if they offer great insurance & value their employees, too.
@@erbiumfiberYou’re right about that stuff being junk food but if he is feeling himself have a low (or is planning ahead), getting sugary drinks and candy can save himself from blacking out on the clock, or more importantly, save his life.
When he said “ acting positions” and caleb just moved his eyes up 😂😂😂😂😂😂
I was weak asf 😅
I about died! 😂💀
He does it every show.
Visually, it’s my favorite part!
I cracked up at Caleb's camera stare after he found out about the $25 in savings. Major The Office moment right there 😂
I feel his pain. I'm 41, no savings, no retirement and two totally disabled people to care for. But at least i have my own place.
Hope things pick up 4 u buddy😊
Me too, many see people in their 40s and up with no retirement savings and think "they must have frivolously spent their lives away" but unfortunately many of us are doing the best we can with our other responsibilities and a nest egg just isn't in the cards.
After reading the community post, I'm hoping for the best from this guy
I appreciate what Caleb is doing. He is the softer version of Dave Ramsey....I am happy to see him
helping the over 50 crowd, who are struggling as well.
He's not soft when he's yelling at people ...lol.
Caleb also doesn’t see things in black-and-white like Dave Ramsey does! That’s what I like about him
Caleb's the softer one? Whew. I gotta check ramsey out
This is probably the saddest one I’ve watched. He’s absolutely done it to himself though but he’s in his 50s and it’s like he is barely realizing something is off but still doesn’t think it’s that serious. I feel really bad for his mom, it’s a textbook case of failure to thrive waiting to happen.
Right. How proactive could he possibly be with her health?
@@genxx2724 Yeah if he is taking care of and being taken care of he seems to have few good options. I am just shocked people blame him while his mom will need someone to look after her. And even with a $19 a hour job with benefits he still will likely remain poor in my opinion because he will pay everything out of pocket and his insurance deductibles might be high so....
@@donaldlyons17 I agree but the other factor is he has always lived with his mom and, as he put it, prioritised fun (= alcohol or drugs).
@@donaldlyons17 Generally with company provided health care it’s very expensive plus the copays are outrageous unless you work for like a giant corporation the healthcare is a minimum of like 1200 bucks a month that comes out of your check so this guy is making about 12,000 a year he said so 1200 of that goes to his healthcare benefits which barely covers ER and if you’re lucky dental and vision and just generalized care but you have to also factor in the co-pay Which could range from do you know $30 for a co-pay all the way up to 40 or 50 bucks
@@donaldlyons17And this is part of the problem we don’t pay people enough to live much less afford an apartment afford groceries it’s very expensive and for somebody in his age bracket and the fact He’s living with his mother doesn’t make it easy because if he’s chipping in for a portion of like the Internet bill portion of the water electric and you could chip in 140 a month and that could cover the vast majority of your usage of those things
This man is the example of why we plan ahead, and make sure we are financially stable when we are in our 30s and 40s if not our 20s. If you don't, this is where you end up
Also, in his defense, his mother failed to plan too. A lot of Boomers have ruined life for a lot of GenX. Dude is now geographically limited, and a big chunk of his day has to go to mom. At a time in his life when his energy is flagging hard. His siblings have fled the scene. And he's not even sure he's getting the house. It's really not fair. This is what Caleb means when you have kids, you are either preparing to fund your retirement, or you're abusing your kids.
@@gillianjaune4616 absolutely his mother failed him as well, but even when she was caring for her self he had no plan at all.
@@JasonGroom no argument there. Dude was dealt a bad hand, and made the worst of it.
@@gillianjaune4616his mother isn't on the show. Also at 50 how long are you going to blame your parents because you chose to "prioritize having a good time".
@@whyme7862I don't think you read anything I wrote so I won't even try to address your comment.
Just to let everyone know mr Clark just got a movie gig. He's filming in California now. Good job Clark. Keep moving and shaking you will make it bro
If you read this Clark, just stick with Caleb’s plan. The man has your best interests at heart. You can do this. And thank you for sharing your story. As someone who at this moment has no savings, no retirement, living paycheck to paycheck, and debt, your story and others like it give me hope. Caleb gives hope for the future, no matter where we are in life.
Sabrina, no be like this.
He is 50 and clearly not very intelligent. It would be a miracle if he changed. This is what economists call a net burden on society. Look how healthy and happy he is to boot.
@@okgroomer1966a man who ask if a 480 credit score is bad doesn’t deserve a house clearly this man has never done anything with his life lol Caleb talking to him like a child telling him good job lol
I love it when Caleb breaks the fourth wall and looks at us 😊 $25
I came looking for this comment 😂😂
insane how fast this channel has grown. Impressive work Caleb!
Thanks to your support!
@@CalebHammerI’ve been around since the open air interviews. ~30k
@@permaline9093Same! And I was like, “who is this curious young man, and why can’t I stop watching?!” 😂😂
This one makes me sad. He seems like a decent enough guy willing to step up for his mother. He just has 50 years of bad habits to break. Psychologically it can be hard to break such long standing habits. I really hope for the best for this guy.
He’s not stepping up for his mother. He’s an addict whose mother is allowing him to stay with her in exchange for helping her with basic stuff. He has some kind of alcohol or drug problem which is contributing to his unstable blood sugar and constant blackouts. He wasn’t fired for being diabetic, he was fired for being a huge safety hazard and doing nothing to stabilize his A1C. Diabetics are not supposed to have more than one drink per day to prevent fainting/diabetic coma, so if he’s an alcoholic that would absolutely explain why he is constantly fainting to the point where it’s caused him to lose multiple jobs. It’s pretty obvious that his mother is collecting rent from him to either 1) force him to stay employed or 2) she’s worried that he’s going to blow all his money on drugs or alcohol as soon as he gets it so she keeps his “rent“ aside for him, so that he won’t be completely broke if he ever has an emergency.
@@bebop2523100% correct
@@bebop2523 at first I was gonna say you’re being too harsh but damn! In all honesty you’re right, sad situation. Poor mom
I have seen people with health problems give up on their future and go on social security disability. It’s impossible to know how to change the victim mindset to a fighter mentality to become financially independent. I applaud him for coming on this show and for being open about his financial situation. Keep fighting for your future my friend.
Honestly I think he should go on disability. He could still make $1400 a month and not lose disability. So it's not giving up. But he'd get medicare, which might be useful in trying to control his diabetes better.
As a new father, this is such a great highlight for the need and importance of generational financial literacy
Yup. Make sure you do it.
While it can help it doesn't guarantee they will follow the guidance it is the hardest part of being a parent. Watching your children make decisions you know aren't the best and they still do even if advised otherwise.
There’s nothing more horrifying then hearing someone say “i’m gonna pay it off somehow”
I'm also T1, diagnosed in 1985. It does fk up your ability to get jobs. Lost an appointment to the USAF Academy. Can't do any jobs that involve being a pilot or driver (FAA and DOT bans). No matter how broke you are at the moment, you must get insulin or die. No 3rd option exists.
Pilot or driver is a fair ways away from losing a job at Circle K though. Isn't this guy just really poor at controlling his food and blood sugar if he keeps passing out?
I'm not diabetic, but my nephew is (not sure which type), but doesn't having something with sugar help regulate your blood sugar a little bit until you can inject insulin? My sister would give my nephew Skittles or something if we were out and he was low. If that's the case, with management knowing his medical condition, he should have been allowed to keep candy or something in his pocket if he felt his blood sugar going low to pop in his mouth.
Also, I've worked as a cashier in a busy store, you can flash your checkout light to notify management if there is an issue and they can have someone relieve you for a bit while you take care of stuff like this. What that store did was 100% wrong, but I feel like he could have worked something out with them to handle situations like this before it affected his work like that.
@martineskerud6932 Type 1 is very hard to control. For example, an internal medicine doctor I worked with was type 1 diabetic, very intelligent obviously, educated in diabetes, etc. She struggled to control her sugars also.
It's not like type 2 at all.
Type 1 here aswell are you not keeping a eye on your diet, exercise and medication? Iv had mines as a kid and it’s almost a non issue, that hasn’t interfere with any job I had.
That makes sense, but pilot and driver aren’t the only jobs you can find. Lots of people can’t do every single job. We still find the jobs we can do. It sounds more like an excuse for him. I think I see where you’re coming from. In your case, it doesn’t sound like you make excuses, it sounds like you’re trying to rationalize his mindset.
Wow, 1k to monitor something that keeps you alive. What a first world country we live in.
Going through a divorce right now and Caleb has helped me so much with my confidence of being able to live on half our income. It’s rough but I’m FINALLY able to go get an emergency fund started. It’s not much but it’s a start. Starting from scratch is so hard.
You can do it! Just keep putting 1 foot in front of the other. I went through a divorce 23 years ago and 10 years later I paid off my house all by myself, paid off my SUV that I had at that time and was shoveling money into my retirement fund. If I can do it, and I had everything against me, you can do it. Keep going.❤
If you're 50 years old making $8 an hour with no savings and maxed out credit cards, I don't think there's any amount of financial planning that can lead to a happy ending there....
Just do what every American does. Act surprise, blame minorities, then continue racking up debt. Rinse and repeat.
He’s gonna be on disability SSI. Sucking at the government teat. ie burdening hardworking taxpayers.
Yeah he’s fucked for sure
True but I would still like to help those people and give them some advice schools don’t teach young kids basic financial lessons
There’s always a way out, he has to stop feeling sorry for himself, get his Diabetes under control, and hustle! Unfortunately from his body language he’s given up!
These episodes are the scariest to me, it’s what can happen if you don’t get your life together.
Word. I was on track to be this guy 15 years ago. Then I married a financially responsible guy, made a smart savings plan, and am sticking to it. People just can't float through life with no goals the way we used to in the 80s/90s and expect to be okay.
Why is this scary? You pretty much have to intentionally sabotage yourself to end up like this.
@@OShackHennessy it’s kind of scary seeing someone that hasn’t got their life together at this stage. When you’re younger and you keep pushing things off saying I’ll get together later and later comes and this is where you are. It would suck. The thought of being in that predicament is scary.
@@Thatonegirl989 it is but he had plenty of time, obviously he’s not worried about it
Pretty accurate. He’s behaving more like a 22 year old, and I can just tell he’s the kind of guy who never got his life together.
After 30 years of not caring, I highly doubt this guy has any fire left in him to change. He is just waiting to die. He will never be able to afford his mother's house even if his siblings give it to him for free (which they likely won't).
"I am getting acting positions"
The closeup on Caleb's face. 😂
I lost it at that part
I 100% guarantee that this “acting gig” is a scam.
When Caleb says "You'll be dying on the walmart floor", he's talking about people like this.
Thanks for having people who aren't making $100,000 plus per year
He hasn’t had that many who make $100k+ per year. I think the people he has had on are reasonably representative of the population as a whole.
Dude is drifting through life like a leaf in the breeze. But... He seems ok with it.
It’s a defence mechanism.
He has convinced himself that he is
I started watching this channel a few months ago when I finally chose to take my finances seriously. My credit score went from 630 to a 705 and I’ve saved 3k so far for my emergency fund in a Sofi HYSA and maxed out my retirement accounts. I finally feel like I have a grasp on my income and future and the peace of mind you help me attain is priceless thank you for your good work Caleb and everyone who’s vulnerable enough to share their situation your doing good work and it’s very much appreciated
Congrats on your efforts on getting out of the financial hole!
My credit score went up to about 100 points I’ve been watching for a year
As a Type-1 Diabetic, I get his feeling of not wanting to retaliate against his employer, especially when it sounds like he is not managing his diabetes even remotely well. I carry sugar, insulin, snacks (basically a whole days worth of food), and all my diabetic stuff with me at all times during work. It's just part of the disease.
need more follow up episodes!! I'm so curious as to what happened to that lady with 250k in student loans; I hope she is doing much much better. I hope everyone whose been on this show is doing wayyyy better financially and can show us all their success one day soon
With that much debt she might need time....
I love how every small payment to a gas station is always blamed on taquitos 😂😂
Taquitos boy definitely set the standard 😂
@@frumpusnumpus I know 🤣😭
But no one ever objects! So they must eat a lot of taquitos.
Started watching Caleb after coming into a small settlement and having no idea what to do with the money. Every last cent went to debt besides starting up an emergency fund! You don’t know what you don’t know and I’ve learned so much from watching you in these short couple of months, Caleb! You’re awesome!
I feel the same way! I had no idea how much I didn't know and how creative the options are out there! 🎉
This is my sister-in-law's situation right now. I'm afraid that she'll eventually be living with us because she won't be able to support herself any other way. Please, please, please do all you can to better your financial situation folks!
Maybe I’m cold hearted, but if my brother got to the point that he was on the brink of homelessness, I’d print out directions to the local homeless shelters and resource centers and hand them over. Dude has done nothing but blame everyone else for his own mistakes and is constantly bailed out by our parents. Sometimes people need to hit rock bottom to learn a lesson.
Omg my sister is in the same situation. Can't keep a job for more than a couple of weeks. Let drugs ruin her brain. Now she acts like she can't raise above failure. My parents and I have all given her money but she keeps getting into more holes. There's nothing more we can do for her.
@@acenath8643there is one more thing you can do for her: tell her no more, no more money or family safety net, and let her be forced to figure it out
If you let her live with you, that is YOUR choice. Come up with a plan NOW to save YOUR family.
You can do this Clark! We are rooting for you. Baby steps but you will get there!!!
I completely understand his worry towards his mom’s care.
Being my mother’s caretaker in my 20s and her late 40s , it took me a lot of will power to leave my mom at home so I can go back to school for a couple of hours.
In the same way that kids throwing tantrums in the middle of a grocery store is great birth control, these videos are great reminders to contribute more to my retirement
Felt that. as someone who works in a grocery store and hears this constantly, im always justified in my decision to get a vasectomy.
@kcm732 Most kids behave well tbh. But the few who are throwing tantrums leave a stronger memory.
This one just says contribute to your retirement in general.
I get the feeling his mom pays him to be her 'caretaker,' but really he's probably doing things a normal son should, like take her to the grocery once a week or maybe mowing her lawn. Which is probably why she asks him for rent. I knew someone like this. His mom enabled him, because he was 'trying.' He didn't want to get a fulltime job, so told everyone he HAD to be his moms caretaker, and then gave excuses as to why he couldn't get other work. But would never take steps to try to work around these excuses, ever. He would work a couple hours at a friend's business to get a bit of cash, then sit on the couch for four days, while his wife worked two jobs.
Some people choose this lifestyle, because they can get away with it.
I agree she may be more of his "caretaker" than the other way around. She provides a house and probably cooks and cleans for him. I can't believe a man in his 50s looks at a credit card and thinks "Free money".
I believe he is using his medical condition and Mom's medical conditions as excuses for not doing the right thing.
Agreed. This dude is drowning in the river he's cried himself.
She doesn’t pay him. WE (the government) pay him through Medicare.
@@genxx2724 plus housing - since while he gives her $400/mo - he said she told he didn't have to.
Really good friend of mine just passed away from T1D after she blacked out while home alone. It's extremely serious when that happens.
This dude is toast. He has no personal aspirations to be any more than he is.
Obsessed with watching Caleb! He’s changed my perspective on finances!
Absolutely
Props to this dude for coming on and its not easy to put yourself out there!!
I wanted to read Caleb's mind tho when he was like do you have any savings?
"I do....25 bucks" 😂😂😂😂
I think a disability can become an identity for some people. A disadvantaged mindet can set you up for a life of dependency and counterproductive behavior. Mom may enable this mindset. I was temporarily ill and it can affect you mood. Couldnt imagine having a disease my whole life. All the best to him.
Perfectly said!
@@alyssamae886not really.
@@LilySaintSin say it better then.
@@willch19 bro, this isn't Polly fucking ana. People can't just wish away their disabilities with positive thoughts.
I feel like this show has helped me and would help my mom. She's 66 and my dad passed last year. He made a lot of bad choices for us. She was mostly and stay at home mom and was left with almost nothing. I would love to see Caleb help her map out a plan with what she has. She has basically no debt. She's got a paid for car, 1 credit card that she pays off and social security but she wants more.
I can’t get enough of your channel man, it’s single handedly made me have a completely different view on my finances and made me second guess every purchase I make on a daily basis. Thank you man, I mean that. I’m not where I want to be, but I’m making strides towards a more financially secure future now more than ever!
First off. So many things I see make this a tough scenario. The fact that he only makes 20k a year baffles me, secondly he’s the primary caretaker for him mom and yet he still pays rent?? In a financial situation like this?? And his health problems, being a diabetic can be a financial strain on people with a normal income, not someone below the poverty level.
He should be looking into something with the state. Here in NY, NY will pay you if you're the primary caregiver to your elderly parent. You have to go through some paperwork and an inspection, but then you should be ok.
It may be that his mom is living at the poverty level as well, and his contribution to the rent is keeping them both comfortable/paying the taxes/utilities.
My concern is when Mom passes away and her social security income and the caregiver income dies with her. He may be able to get another in home caregiver job- male caregivers are hard to find, but taking care of one’s parent is different than taking care of a stranger.
@@Rusaaruleshe is being paid as his Mom’s caregiver, it’s just not very much per hour.
You wouldn't trust this guy to give your naked mom a bath?
When they "meaning everyone"say " I make 20k a year" does that include all the needs too plus taxes or is it what they make before the needs and taxes? I'm confused
You might not be getting the whole story. I supervised a type one diabetic before and he did not manage his condition very well and it negatively affected his performance. If you measure your blood sugar and take your insulin you won’t black out. Sounds like no insurance. This man strikes me as someone who doesn’t make all the best decisions in life, that’s all…
Yes, the way how casually he said "I will just black out" sound very strange. People who monitor blood sugar and stick to diet don't black out all the time.
I'm genuinely curious because I am new to US health care system and my insurance comes fully paid from employer - with income as low as his plus disability, doesn't he qualify for programs like Medicaid and/or Medicare?.. How come he may have no insurance?
Even though I’m in a good place financially, just watching these inspires me to be even more responsible and proactive about it.
I audit my checking account monthly and pretend Caleb yells at me for bullshit spending. Thank you for holding me accountable sir.
My heart really goes out to this guy. Im so grateful to have found Calebs channel. I just hit my 30s and am working at Walmart. I never understood finances and didnt think id need to save for retirement until later in life. Seeing episodes like this has put the reality of my situation into perspective and Im proud to say Im working for a higher postion at work and just opened my first 401k. Im also working more hours to pay off my credit card and student loan debts!Thank you Caleb for everything that you do!
I'm rooting for you, hope for the best
@@hotcheetos1435 thank you! I do a trial run for the new position today! It's not a guaranteed spot but there's been over 40 applicants for the job so wish me luck from where you're at! 😁
@@KIngsLowlyBlissgood luck bro
These videos have motivated my wife and I to kill our debt. We're in our 30's, new baby, with a mortgage and student loans. We plan to have the student loans paid in 3 years and the house paid off in 21 years. We need to work on our retirements, but these audits are helping us to understand that we aren't doing too bad. I hope this gentleman can get his situation completely turned around.
You're better off paying the regular mortgage payments and instead putting the extra money towards your retirement funds. Long term you'll make more money from compound interest. That's assuming you have a fixed mortgage rate.
@@OldsmobileCutlass1969Va we do. It's a fixed sub 3.
Good for you guys! And same! My husband and I both have incomes of more than $80k but I have student loans and we have some car debt. We have now picked up extra jobs such as Uber and DoorDash to supplement our income and get debt paid OFF because Caleb puts a fire under us!
@@jessicamckitrick7304 my wife has an amazing job working as a civilian with the military and I work for a small business and own a small business myself. So everything I make with my business goes straight to the student loans. Hopefully, we'll be student loan debt free soon.
@@Paratrooper891 the student loans could be forgiven in 20 years if you have PAYE or REPAYE. You could pay the minima and use the extra to fund your IRAs. Just FYI.
As some who works in horticulture as well - he needs to seek out individual clients who he can visit once every week or 2 to do garden maintenance. He can set his own hours and easily charge $30-40/hr in better off neighborhoods (I'm in St Louis, so he may be able to charge more than what I can here based on cost of living). He has to talk around to people, send out flyers, contact country clubs, businesses, etc... to see if they would contract or be willing to advertise the flyer. I bring hand tools I like, but these clients are hiring a gardener, not a mower - the tools actually needed are quite few and cheap in reality.
There are so many things this guy could do. But he's hasn't been interested enough to do ANYTHING for 30 years and I'm sure he'll continue that way for the rest of his life. I'm far from perfect, but I can't imaging looking at something, wanting it, and charging it having no intention of paying it back.
He's talking about weed
These videos light a fire under my a** .... paying down my car debts... no credit card debt other than the 4 credits cards i have to help raise my credit. I use 15% utilization on each card and pay them off every month so no interest or anything on them. Got all my old medical debt removed off my account. And have a HYSA, sinking funds, budget etc...
Thanks caleb
Caleb’s approach has really grown on me. He drills in and performs a root cause analysis and dismisses BS. Love it!
As of last week I have 6 months in an emergency fund and I’m now working on paying off my car loan 16 months early just by watching episodes like this that scary the crap out of me. Thank you for my multi-weekly wake up calls and kicks in the butt to keep securing my financial future.
I've only discovered this channel a week ago but already watched over 20 videos of different guests and every aspect talked about with a side of entertainment has been truly eye-opening. Visuals, stern but careful conversation exchange while acknowledging hardships and pointing out BS are all great. One of the most educational/entertaining channels out there. Road to 1m subs!
Watching these videos helps me realize, you never know what people are going through.. so whenever you are jealous of someone’s lifestyle or feel like you’re stuck in life, you never know what’s actually going on with them financially. It motivates me to finish up this last debt and change my spending habits! Also helps me realize there’s no point in keeping up with the joneses!
Caleb, I really appreciate that you've found all the people who carry debt and will talk so openly about it.
Thanks to these videos I’ve decided to get a certification to get a new job and hopefully make more money to save! Budgeting has become big in my mind and I’m learning each day how to figure it out. Thank you Caleb!
I hope he does well! I’m rooting for him! We all deserve a chance. You got this ❤
This is such a tough situation, I hope for the best with this guy, but man… being 50 in this financial mess
Vibes that the “caretaker” situation is less of a burden on him and more of easy money for them to split…
IHSS approval isn't easy
As a 22yo horticulture graduate myself, I’m making 39k a year/ 18.75/hr and it just seems very underpaid but when you take into consideration of the slow season and the leniency within the industry, it’s well worth it. I’m able to use my phone whenever, the schedule can easily be changed, you’re around natural anti-depressants all day, you stay in good shape, you get to be in the sun all day, not a strict dress code, and the list can go on. He needs to get back in the industry.
Fact
if you get into removing dead trees and stumps, i bet it pays well on the side
. we had two bradford pears splitting and threatening to fall on the house and another tree growing under the foundation and each removal was something like $1400. that doesn't even include all the money we'll end up paying him for landscaping, mulch and planting new trees.
What he means is that he used to smoke a bunch of pot and sell some to make extra money until he went to prison.
@@philbert006 cannabis*
My uncle's friend relied on his mom's inheritance. His mom donated her house to a church. All of her money went to medical bills in her last years. Leaving my uncle's friend homeless in his car. His car broke down, he became addicted to drugs then passed away from the drugs while homeless.
This episode is scary tbh. I really hope he does better and everyone watching it realizes that not caring or waiting and waiting could potentially end up like this
This is how my oldest brother lives at almost 50, and why I started maxing out my 401k to get top match, max out my Roth IRA and HSA, my wife's IRA and 403b, 6+ month emergency fund in a HYSA, and a separate regular savings account (4.15%) with Capital One, and regular brokerage account in monthly dividend ETFs since I started my career at 25. Now 37.
Thanks for the insight on how I should get started only 21 not in a career but have a job started 401k, Roth Ira , and a 1 month emergency fund and some savings
Any advice you could give would be appreciated
@@robert8311 Figure out your monthly budget and see how much deposable income you have left after bills. Then figure out how much of the deposable income you want to save for the future. It's okay to spend some on going out with friends or buying say a video game or two, but DO NOT rack up credit card debt and start taking out 10%+ car loans. For the 401k whatever the match is from your company go ahead try to contribute to that percent to get the match, it's a 100% return on your money. For the Roth IRA you can do direct deposits into it from your paychecks or with that deposable income you can do a contribution. The general rule is 15% of your own money goes into your retirement (401k/403b, IRAs, and HSA combined), and the company matches are just a bonus on that 15%. If you can't do 15% total, then try to get close to 10%. Every paycheck you should have some sort of deposit into that emergency fund. Even its something low like $50 or $100 per check. At 21 you are in the best years of your life to develop compound interest and funds into your retirement and savings. But it takes patience, positive mind & attitude, and above all discipline on your spending and savings.
Here we go 🙄
@evanm9565 thank you for the advice my job does 3% match 100% and 50% match 4-5% I'm at 3% now so I think it's a good start and I put 7% into my roth no matter what and only use my credit card at 3% utilization small things here and there and pay it off immediately I think im doing OK for my age but I'm just looking to do better
I do all that, but that leaves me with more than $10 per pay check for myself, so I really feel like I’m not doing enough.