@@guyinshirt_ That's Caleb's note to self to remind him that he is an adult and may want to start dressing like one. Maybe the shirts are a ploy to appeal the the youtube demographic, which is mostly kids.
I respect the hell out of anyone who comes on this show. I don't care what their excuses are, it takes a lot of self-acceptance to agree to come on and do this
Proud to say that since finding your channel in February, I began aggressively paying on a $7000 personal loan balance and just paid it off! Now just a couple more months to pay off a credit card and I’ll be debt free for the first time in years. Thanks Caleb 😊
My father passed right before my 17th birthday so I never got the financial education and guidance he could have provided. He was the "money guy" in our family and he'd hate to see me struggling. Thank you Caleb for helping me get my sh!t together, I know my Dad would appreciate it 😅
As a former employee of the bank where this guy has his checking accounts, there’s a regular account that will not charge him any fees if he has $250/mo of direct deposit. There’s no reason he should have 3 of the account type with mandatory fees (it’s an account meant for students anyway)
@@juanrosales4422 since there’s no more NSF fees, if he set his overdraft to decline all, it would be the same as having the safebalance account he has now
Today I paid the last of my debt and put some money away to start my emergency fund (around 10% of my yearly income right now). I also was able to get a higher paying job this year after listening Caleb's advise on increasing my income. I can't describe how nice it feels to know that from here I'm on my way to not go through the same struggles I see my family going through all the time. Unfortunately I can't share this with them as they would think I'm "rich" now, since I have money left to save at the end of the month, and start asking for money to help with everyone's "emergencies", so I share this victory with you guys and my husband only, don't tell anyone ok?
CALEB, thank you. I was 13k in debt, these videos helped me learn and acknowledge my faults and want better for myself. I locked down at the beginning of this year and have paid $700/wk since the start of the year. I’m on track to finish very soon and I couldn’t be more excited, im 22 and feel like I’ve been through so much and am ready to give myself the future I deserve.
@@0x037 That is exactly what I was thinking about because he made more there, especially considering he loved it, than with the estimator job. We always think we are not making enough money, and then get off that route and get on another thinking that we will get more. Never works. Stay and build from where you are. Then reassess income potential.
Since I started watching Caleb, your channel encouraged me to get rid of my debts! I paid off another credit card yesterday, so I’m one step closer to debt free! Whenever I try to make purchases I imagine Caleb looking at my statement and calling me out on stupid spending 😂
You're both debt busting rockstars!!! I've been debt-free for 4 years and it feels great. It took about six months to stop having anxiety/panic about incoming first of the month bills and mortgage payment. It takes time to retrain the brain. But it's so worth it. Rock on!
@@BohemianDollhouse I got an honest question as someone who never had debt (except for student loan which is paid and has good roi). Did you never get trained by your parents or learned basics of interest in school? I learned the most about finances from my parents and self studies.
Caleb I'm 19 and this channel has literally scared me into getting sober been smoking everyday for almost 7 years now. Recently I was spending 500 a month or more. Thank you my guy for making ne make an actual effort to change
Smoking weed or tobacco or anything for that matter isn't worth it at all tobacco hurts your lungs you gain tolerance weed makes you anxious paranoid hurts your lungs is waay too socially acceptable to the point of massive peer pressure and you still gain tolerance and so the projection of this expense will never have a cap on it don't even get me started on munchies expense because that's the cost of the food plus healthcare dental care and then risking losing your job if something happens and they drug test you
I'm in the same boat as you bro, I really only smoke wax so I'm spending about 150 a week. Trying to quit but I've been smoking since I was 14 so it's pretty difficult.
@@jackolimb6145 I got a case of beer and got drunk every night for a week don't recommend it but that really helped me through the first week when it's hard to sleep or eat without weed. Aside from that I'd just rather have the money. lighting up a 20 dollar bill couple times a day adds u0 quick😂
@@austintomkewitz3981 I largely disagree on weed no different than alcohol especially in a legal state or country. U just need self control which I lacked so i stopped completely. There are plenty of ppl that have a healthy relationship with it
@@mithicash1444 I do like Dave Ramsey and have learned a lot from him, but I think what Caleb does works better for most people. Dave still knows what he's talking about though on a lot of things(not everything tho)
Man college sucked for me because I worked ALL the time and almost never ate out unless it was paid for by a presenter at the college lol. I bought one dress during that time as well but I graduated with no debt and savings in the bank and these videos make me SO grateful for that. I didn’t even know how valuable that would be for my future self.
I was so grateful I did night school while working in the day. I did office admin certificates as I went in my 20's, paid cash up-front and kept working full-time in the day. I've done this twice, but have never had a student loan and it really helped my time-management and work-life balance skills.
You guys are absolute beasts!! I was lazy in college and ended with 26k in loans. Hustled for 3 years to pay them off and made the last payment when my daughter was a newborn in 2021. You guys took the harder in the short term, waaaay easier in the long term approach and that's impressive 🎉
@@jjharrison4099 It was scary making that last huge payment when my baby was sooo little and it was close to 10k. But so worth it, that monthly payment was just holding our family back 😤
I feel that! I did the same thing, worked all the damn time and did damn near no social stuff that costed money. I don't even know why I was like that in college but in grateful I was because I was able to pay rent and stay debt free through school
I switched to Mint Mobile last year -- one of my best financial-saving decisions. I have the exact plan I have before and went from $85 a month to $15. I pay $180 a year, all at once, and thus far I've not had to purchase more data monthly. That was a game changer and glad you're advertising it, Caleb. It was super easy to switch.
I've been on yearly plans for year in Australia. Anywhere from 14 AUD to 20 AUD a month. I get discounted plans and either have the agent apply the Sim credit to my account or port out and back in to show myself as a new customer (technically it's for new accounts). Don't have to think about it for 1 year.
Honestly mint is so amazing, the service throttles sometimes but definitely still worth the savings. I went from like 75 a month to 20 (also paid yearly)
I don’t understand how someone could watch a few of these and not turn their shit around. I Felt guilty about buying a $1.24 coffee the other week. Also selling my car next Saturday. Life changing
@@erickn7985 speedway coffee costs just under 2 dollars for any size and half the time they let me just leave without paying because they don’t want to ring me up 😅
Dude, I am absolutely addicted to your show and see why your channel has exploded in subscribers. I wouldn't be surprised at all to see you on network TV with your own show. Love the content, love you, keep doing it man.
As a teacher… I tell kids that learning a trade is an amazing path. College isn’t for everyone. My son is 19 and makes 85,000 a year in his trade! I wish kids heard this more in high school
@potato1084 don't necessarily need to go to school. I got into the hvac trade by starting as a shop hand and working my way up. No school debt and I'm currently at $35/hr.
good on you, certifications is a good way to go, get entry into IT at the service desk, pick up some cisco certs and move into network admin you can easily be at around 100k a year after a few years experience. Caleb is bang on the money for cybersecurity, as that is where the industry is heading, i would have picked up a cert in that too and shifted towards security but I got pregnant and decided on taking some time off career to bring up my baby.
You were exactly what he needed at this point in time. Not letting him make excuses for his behaviour and go off on tangents. Great episode Caleb, and good luck to Carl!
Idk how people insist on using it the price when ur about to checkout is absurd, I used it in the beggining of it but got turned off by its total price
I’ve been thinking about that!! I’m 26 and I NEVER get food delivered, but I live in a populated area so I don’t know if that helps. When I see someone on here spending so much on DoorDash I’m like… why?!?! It’s not quicker or cheaper!
Yes on food delivery and eating out in general, meals at home cost on average $1.50 a plate for my family(yes I do the math lol). Me being stay at home saves so much on food and child care! And not dragging our finances down with student loans and car payments
I feel so badly for Carl. His story is very similar to my own, and I totally hear him on the student debt and budgeting struggles. Definitely appreciate showing relatable financial journeys.
I work in design and I've met a lot of people who have been basically scammed by some of these design schools. I constantly get targeted ads on my LinkedIn for Fullsail
Nobody put a gun to your head and forced you to take on all that debt however you should take a hard look at your friends and your family and the social contagion of go to school you'll make great money it'll be easy
I have 9 accounts but I only use 6 the other 3 have $8 each just in case I need to buy a Happy Meal my direct deposit is split between 4 accounts and I transfer money to the other two for a dog food fund and toilet paper and the other two accounts I use to pay off the overdrafts in the Happy Meal fund
Honestly it was so confusing, I’ve watched him explain it twice and I still don’t get it. It’s like an envelope method that’s been sent through a blender
Caleb is the true definition of give a man a fish feed him for a day teach a man to fish feed him for a lifetime. And then all the viewers in similar situations taking notes and applying them. I want to see Caleb hit 1 million subs by the end of this year he deserves it.
Rod Swanson: "Give a man a fish, and you feed him for a day. Don't teach a man to fish, and you feed yourself. He's a grown man. Fishing's not that hard." 😂
These videos make me SO glad I had financially savvy parents. My dad told me "once you get into debt your life is pretty much over and you'll die penniless so don't do it" and I never did.
Right! My dad said never get a credit card! Never had one and only spent money I actually had. Easy peasy. I had a school loan until my dad found out that a nearby hospital would forgive my loan if I work there after graduating. I am very thankful for the path my parents encouraged.
it’s a coin toss. my parents taught me nothing about personal finance, credit cards, loans,anything financial at all. I had to figure everything out myself. Have 2 cc’s no missed payments or carried balances. I do have school loans tho but all i can do is keep going and learn from my mistakes.
Wow. This channel is something I never knew I needed. I’ve binged almost all your vids in the last week, I’m so hooked. I’m in a fortunate financial situation but you’ve got me to create a budget. Seeing how I should really be allocating my funds has been eye-opening. Congrats on the INSANE channel growth, you deserve it.
I've been a graphic designer for almost 10 years now. So this hits a little close to home for me. I was paid like shit for the first 3-4 years of my career but I've been at my current company for the last couple of years and more than doubled my salary. Graphic Design and 3D work isn't anything close to a "niche' thing, if you have a good portfolio you can do really well. Design is competitive as hell but if he's as good as he says he can easily find a better job and move on up the ladder.
In the UK if you are desperate for a quick meal you go to the store and buy a ready meal for £2. It's so much cheaper than a takeaway and quicker. Even a £5 fancy ready meal is cheaper!
@@MercurySmith- So meal prep then. Or if you're that extremely tired just slam a sandwich, those things take less than a minute to make. If there's a will there's a way brother.
@@viktorepifanov7138Eh if I get something under $3.50 at the gas station or taco bell it is comparable to what I would've spent on the groceries for one meal. Plus if you eat something before grocery shopping you'll spend less at the grocery store on bullshit like snacks. If you have an addiction to fast food its different. But just looking at money alone the cheapest meal possible at a lot of fast food places (like the mcchicken & mcdouble 2 for $3) is close to what it costs to cook at home. Occasional fast food won't break your total food budget if you actually meal prep less and get less groceries, like anticipate Wed/Thurs I work 12s. I know I won't want to cook so I'll go ahead and only prep for 5 dinners this week.
Caleb, because of your super practical perspective & advice, I'll be paying off my first card this coming month, paying off my next card in June, and aggressively attacking the final one right after. Once these are done I plan to open a retirement account (about 8 years late, but better than 8 years from now) and I am feeling so positive about the future. Thank you for all you do.
Also, a word about the crunchyroll membership, if you're planning to cancel your crunchyroll membership, remember to call their desk since cancelling crunchyroll doesn't entirely get you off the hook - they're known to still charge you even after you pressed the cancel button on their page since they still have your info. EDIT: even though i'm a voice actor that loves anime, and i respect my anime va peers, i also want to value truth.
Yeah and even then get something in writing emailed to you with dates after you call cause they still might try to squeeze you later... That or cancel the card linked, set it on fire, travel to mt doom, find an oversized eagle......
lucky for me that didnt happen. im just surprised he still has funimation since chrunchyroll and funimation merged like idk 2 years ago now? funimation doesnt even get new shows anymore.
He should be cancelling the funimation account initially, they were acquired by Crunchyroll a few months ago so he's getting double dipped currently. All Funimation shows have been moved over to crunchyroll
One of the biggest issues of overspending and the lack of budgeting responsibly comes down to how much “convenience” expenses add up. They are conveniences that people in these dire financial situations just can’t afford.
Man, i am about 1200 in the hole not including my small car loan and some student loans that I have and this channel has made me cut my maxed out CC and I have started the snowball payoff method (lol i am only 20 so it's not a lot but it feels like a lot.) Great content Caleb, also crazy to see how fast you are growing!
I'm so happy that you mentioned Mint Mobile!! I've been with them for about a year. $180 for an entire year vs getting destroyed for NO reason by Verizon? AND a Christmas card from Ryan Reynolds? Can't beat it. 🥳
When I started watching this channel I though ‘this person has to be the minority.’ Several months later……..I no longer think that. Thank you, Caleb, for providing a service to your subjects and viewers that should honestly be required education in high school/ every level of college.
Finding your channel is gonna save me. Watching you roast ppl in my situation, even though mine isnt as bad its really opened my eyes and gave me the kick in the butt i needed to get myself out of debt.
Just starting this video but as a graphic designer myself with a degree in it, he could be making SO much more in a design position. I make almost double with like 7 years of experience (I'll be turning 27 in a few months so I'm assuming we have the same experience level.) I know I could even be making more, but I'm just comfy in my current job lol He just has to keep looking! There's also so many insane paying remote design roles right now. His skillset with 3D is super valuable and I think he's really underselling himself!!
@Brianna Boyer dude sounds like he gives up easily. Motivation is lacking. He could still be looking for another job while in his current job if he wanted it enough
I found this channel a month ago and I've been addicted ever since- I'm 28 and am currently working towards buying my first home and saving for retirement. I do save almost every month, but it isn't as consistent as it could be, when I could and should be saving more- so thanks to this channel I've created an actual clear budget, and I'm going to stick to it to hit my goals. Thanks for everything you do Caleb (and thanks to your guests for laying their finances bare too) - here's to us all working towards a great financial future! All the best from the UK!
Struggled with food addiction for years, to the point where I spent my emergency fund on it and was spending my last dollars on McDonald’s when I had bills due the next day. I’m very thankful I’m young and never got into credit cards or debt. Watching your videos and seeing other people dealing with spending too much on fast food has made me feel less alone and ashamed and feel more hopeful about saving money. Thank you.
This guy’s girlfriend is living with him while he’s still paying an ex-wife and for eHarmony?? That relationship has to be a month old! Wow, this guy makes really poor choices!
I think this guy has the potential to get out of this massive debt, he just needs to axe his spending and make lifestyle changes that he seems open to doing. He really seems receptive to calebs suggestions and has the desire to learn more and fix his situation. Looking forward to coming back and visiting his situation again soon!!
I love this channel, man! I'm actually in a good spot financially, but these audits have really encouraged me to make some better financial choices. I cut my spending on food by over 150 dollars this month and Im in the process of negotiating my insurance and internet bills to save even more. Youre doing great work for everyone involved and I bet you hit 1m subs by the end of the year.
I loved the section where he gave a life story about why the groceries weren't enough. Caleb was just sitting there like, "Uhhhhh...... I'm not following how this pertains to food on the table." 20 or so seconds of pure confusion on how that story was going to circle back. Lmao
I want to thank Caleb, I paid off my credit card. I had enough in savings to do so and still have a decent emergency fund. You saved me $500 in interest because I was going to slowly pay the credit off this year. Pretty much, I just did it and thank you.
Caleb, I am probably the opposite of an expert (20 y.o. living at home for college with his parents who are both accountants) but these videos really help me on my commute everyday, because instead of flipping out with road rage, I can flip out on 6% interest on student loans 😅 Thanks for helping so many people, having this knowledge will certainly help me out once I move out on my own. Take it easy, Mr. Hammer!
Spending cash not triggering the pain response with younger people is a really interesting point. Now that I think about it I am the exact same way. Spending cash doesn’t bother me one bit because it’s never included in my net worth. Basically feels like free money.
This is how I feel. If my budget is $10, spending on my card I'm stingy and really thinking about that expense. If I have $10 cash, I think "ooh, I get to spend $10!"
Yeah I've been thinking the same way recently. I don't like doing "bullshit spending" unless I have physical cash, then I treat bills as a free meal ticket 😂
I feel the same way 😂 Apple Pay is my bestie. But yh I budget pretty well through my online banking apps and have really high discipline when it come to credit cards etc but cash just feels like Monopoly money? 😂😂 I lose it so easily and it’s hard to keep track of. I feel like this is a huge switch from my parent’s generation who were far more irresponsible with credit cards and card spending.
Yeah, I always try to pay as much as possible with my card, because anything paid with cash is kind of meaningless to me. The moment I get it out of the ATM it’s already „paid“ for, because it’s already gone from my account. I think the big difference is whether or not you actively monitor your accounts. If you look at the bank statement only once a month or don’t even bother at all, I can see how spending with a card can be quite easy to lose track off.
This channel has made me start budgeting. Just paid off my Discover card, and today (Payday), paid nearly 50% of the balance on my Citi Card. After those are finished up, I'll move on to my 2 big credit cards, Amazon and Best Buy. Next year is going to be a great year lol
I've always said I'm awful at math but good lord this dude is blowing me away with not just pausing and taking a minute to run some numbers. Seemingly everything he does only hurts his situation more and unable to learn from the constant mistakes. Also have been a designer for 10+ years and totally true if you have a good portfolio of work I could care less about your education but I will certainly have a pause if I hear you have a design degree but its from a diploma mill and not even a BFA. Being a competent designer and 3D modeler is not niche at all either. It should actually open up a lot more opportunities. His work must be not strong at all because I'm baffled.
yes, i thought it was strange too. My sis works in graphic design and earns waaaay more, she doesn't have a degree, she just did a short course to get the basic skills and just kinda polished her work through experience. But these days she contracts out rather then a steady job, it pays significantly more.
Watching your videos have helped me so much! I am a full time college student, which i used to think meant being in debt was a given. Im taking my finances into my own hands and learning to be financially responsible within my budget!
Thank you for doing this Caleb. You’re not only helping people who are struggling with debt but you’re also spreading an incredible amount of awareness to other people about how important it is to save money and have a good budget.
There's something really disordered about this person, beyond his messy money situation. The career flip flops are a red flag. Especially leaving one desk career to work 'with his hands'...only to immediately end up doing the exact same desk career again...only to accrue debts for certifications...and justifying at least some of the career moves by invoking a pay ceiling. If he had stayed in the career as a graphic designer, he would have gotten much further along financially...
Probably the fact that he doesn’t listen to anybody other than himself speak. Any advice to this guy goes in one ear and out the other while he thinks of the next tangent he’s about to go on
Time to see how Jonah Hill is doing in his life I guess. Edit - Man this guy's story is similar to mine. Massive private student loans, out of school making just enough to keep my head above water. Took until my mid 30's to pay it off, after I had gotten a few raises at my job. Go to public schools! Don't take massive private student loans! They should be illegal, 18 year olds are too dumb to make choices like that.
I got home from work at 5:30 today and per usual hop on YT, for some reason the algorithm recommended one of your videos (probably bc I’m bad with my money) and I’ve been watching since then, it’s now midnight and I now have the motivation to turn my financial situation around. Holy shit, new sub. Keep it up man, I’m 25 not too bad in debt but I’m tired of living check to check when I really shouldn’t be. A blessing, I appreciate you mr hammer 🔨
I’ve been enjoying this financial audit series. I think even if you don’t owe any debt, there’s a lot of value. If you can develop the kind of mindset that Caleb promotes, you can really set yourself up for future success.
This is the first YT channel in almost. 2-3 years since the huge financial stock boom that isn’t a rip off of selling courses. I’ve been binge listening to these for days just learning so much about to how move smarter at 24.
I'm so glad I finally started making overnight oats. It is so cheap, and my daughter loves it. 1 cup rolled oats, 1 cup milk, 1 tablespoon chia seeds, cinnamon (1 teaspoon) and honey (1 tablespoon) to taste... so good! I would cut that recipe in half if you want to add fruit.
Here in Italy I have never heard of credit card debt / car debt/ lesases… the most financial burden some of my friends have is a mortgage. This channel has really given me a different perspective on how finances are dealt with outside of the EU
You've seen nothing yet. Here in Brazil people get in so much credit card debt that banks will give them the option of paying for the debt in INSTALLMENTS. That means, say you weren't able to pay the April bill, you could split that bill in like 6 months. That means you'll be paying for the April bill until October, on top of all the other monthly bills. It's absolutely crazy
@@nightshadesylvdebit cards. Ppl in europe dont like to spend imaginary money they dont have. System in america is set up with credit cards as pretty much the main paying instrument so it can pander to the loan sharking banks and to get you to pay interest rates on pretty much everything they can get that hooked on. In europe, you spend and youre limited by the money in your checking account + most usually banks in europe give you an allowed minus for the amount of your two monthly paychecks, that is if you are employed of course if youre unemployed you dont get an allowed minus. Additional thing is car payments, car financing has become popular in europe only like in the last 6-7 years, most europeans even today go for used cars and they buy from private sellers rather than used car dealerships. Additional reason for that may be that ppl in europe tend to care for their cars(the majority od them anyways). Hope i cleared it up for you. Personally as an european from an even poorer country than Italy hearing these stories of debt is simply mindblowing. And in my mind its the system you have over there that is actually set up to do that do siphon as much money as it can. You can ridicule us for our social democracies and what not but unbridled capitalism is very much under control here unlike the US.
I had to throw my hot take in on this video as I also went to Full Sail, a different time, but actually in the same degree program as Carl. It was a great experience and although expensive, it was a solid school. The lowest I've ever made is $50k/yr. I've now tripled that about 10 years later. Its all about not giving up and continuing to improve your skill sets. If Carl would like, i'd love to offer a free portfolio review or this specific career help in landing a graphic design role that pays way higher than his current job. Keep up the great work Caleb and Team!
Love love love this show. I'm working through all the videos slowly and am learning so much Thank you, Caleb. My only minor gripe is the graphic on the budget breakdown. I wish the category labels aligned with the categories on the donut chart 😅
I think AT&T was for better connectivity in the Austin area and still being 50 bucks or so cheaper. But I agree if you are climbing out of debt get Mint yesterday.
We had mint for a couple years. Was decent enough but t-mobile towers are kinda meh near us. Recently switched to visible, which is Verizon towers, and got a promo for $15/month for a year. The coverage seems to be a bit better for our area. Helps that I wfh so I'm on wifi probably 95% of the time
We love watching your videos, but we would love to see more pertaining to family situations! Childcare is a huge expense that we haven’t yet seen discussed.
Caleb’s ramble into the “guess what!?” And then slapping the statement to the table, took me out!! 😂😂😂 He’s built for this haha! I’m obsessed and I’m definitely on stage “binge-watch”.
Mint helped me budget but YNAB even with the $99 yearly really opened my eyes to what my money is doing. Caleb not sure if you used it before, but it could help so many people as well.
I randomly came across this channel two weeks ago and Im hooked. I had about 2500 charged to 3 ccs and was just chipping away at it slowly despite having the money to pay it off. I now have all of them paid off. This channel really opened my eyes to bogus charges (coffee every other day, convenient store snacks, etc.) I make everyday & Im going to be way more mindful now. Thank you for changing my mindset!!
I respect the people coming on here. I love coming here on payday and helps me manage my money even better each time! Sacrificing things to only for a little bit to create a better debt free life is the way too go! Or you will be in struggling for life. Bless everyone reading this and hope you reach your goals 🙌🏼🙏🏼💪🏼
I'm going to school for construction management! I'm doing estimating for an internship. The industry pays really well but it's kind of a thing to go out for lunch every day and stop at the gas station 3x a day😂 I was spending half my check because I wanted to fit it. Sounds so stupid looking back on it
You can make your own frozen breakfast sandwiches, burritos, and other convenience foods for less than take out and frozen breakfasts. It would require you to put in the time, but some people don't have the time or just don't want to. People that are truly broke and can't squeeze out a few bucks for takeout make time to meal prep.
Why does Caleb dress like a 10 year old? Caleb, do you own any collared shirts?
Collared shirts? What is this, a regional bank?
pin of shaaaame
@@CalebHammer Wear a Hawaiian shirt next time, it's almost Summer, bud.
Put on a three piece suit for the next video and show ‘em, Caleb.
@@guyinshirt_ That's Caleb's note to self to remind him that he is an adult and may want to start dressing like one. Maybe the shirts are a ploy to appeal the the youtube demographic, which is mostly kids.
I respect the hell out of anyone who comes on this show. I don't care what their excuses are, it takes a lot of self-acceptance to agree to come on and do this
Yes, thus guy I give props to. Others, not so much. They inky came on because they are attention seekers and weren't actually going to try to change
@@kristentrohkimoinen agreed there have been some bad eggs, but for 95% of them they seem like very genuine people
Their*
Agreed. I'd like to come on and up my financial game, but I'm a private person and worry about how the *very few* critical comments will affect me.
Absolutely!
Proud to say that since finding your channel in February, I began aggressively paying on a $7000 personal loan balance and just paid it off! Now just a couple more months to pay off a credit card and I’ll be debt free for the first time in years. Thanks Caleb 😊
Congrats! 🎉
Congrats babes, I’m in the process of now of tackling a lot of debt!
congrats to you, gotta be pretty chuffed to get it done in 3 months
Excellent!
Nice!
Caleb is the disappointed dad energy we all need to be better.
I’ve been pretending he is going to look at my account next month for a while now.
I paid off a CC and completely eliminated eating out.
Thanks Caleb
My father passed right before my 17th birthday so I never got the financial education and guidance he could have provided. He was the "money guy" in our family and he'd hate to see me struggling. Thank you Caleb for helping me get my sh!t together, I know my Dad would appreciate it 😅
Haha
So he's your daddy?
Lol, too funny
Legend has it, Carl is still sitting at the table, to this day, telling stories.
Omg stop 😂😂😂😂😂
Lmao 😅
Omg I spit toothpaste all over my iPad. Shouldn’t have been brushing my teeth while reading this! Lmaooooooo
He just. Wouldn't. Stop. Talking.
Right?! Very clever
As a former employee of the bank where this guy has his checking accounts, there’s a regular account that will not charge him any fees if he has $250/mo of direct deposit. There’s no reason he should have 3 of the account type with mandatory fees (it’s an account meant for students anyway)
The overdraft fees would’ve got him. The $4.95 was actually not bad for his situation.
@@juanrosales4422 since there’s no more NSF fees, if he set his overdraft to decline all, it would be the same as having the safebalance account he has now
It's because he is mentally ill and thinks he needs to use these different boxes because it deters him from his spending issues
There are so many free checking accounts out there, it's silly to be paying for any.
My bank refunds me overdrafts fees if I message them especially since I can’t fix it right there from another account
Today I paid the last of my debt and put some money away to start my emergency fund (around 10% of my yearly income right now). I also was able to get a higher paying job this year after listening Caleb's advise on increasing my income. I can't describe how nice it feels to know that from here I'm on my way to not go through the same struggles I see my family going through all the time.
Unfortunately I can't share this with them as they would think I'm "rich" now, since I have money left to save at the end of the month, and start asking for money to help with everyone's "emergencies", so I share this victory with you guys and my husband only, don't tell anyone ok?
CALEB, thank you. I was 13k in debt, these videos helped me learn and acknowledge my faults and want better for myself. I locked down at the beginning of this year and have paid $700/wk since the start of the year. I’m on track to finish very soon and I couldn’t be more excited, im 22 and feel like I’ve been through so much and am ready to give myself the future I deserve.
That's awesome, congrats
Damn, 700$ a week is amazing.
Congrats, hope you're out of it soon.
@@NoFlu I’m actually paying the last $900 today!!!
@@Bobbaeee Haha great to hear. Enjoy your freedom man
@@Bobbaeeedude that’s amazing! How is it now that you have so much more to work with now that it’s not going to debt?
This guy is the classic example of making things harder for yourself
100%
Absolutely, I am exhausted just listening to him explain his accounts
Exactly. He had $42K in graphic design and went down going the estimator route. Strange.
@@reginayfavors It seems like he gave up too quickly on the graphic design route.
@@0x037 That is exactly what I was thinking about because he made more there, especially considering he loved it, than with the estimator job. We always think we are not making enough money, and then get off that route and get on another thinking that we will get more. Never works. Stay and build from where you are. Then reassess income potential.
Since I started watching Caleb, your channel encouraged me to get rid of my debts! I paid off another credit card yesterday, so I’m one step closer to debt free!
Whenever I try to make purchases I imagine Caleb looking at my statement and calling me out on stupid spending 😂
Keep it up. I started the year owing over $12,000 on my credit card. I am now down to under $8500.
You're both debt busting rockstars!!! I've been debt-free for 4 years and it feels great. It took about six months to stop having anxiety/panic about incoming first of the month bills and mortgage payment. It takes time to retrain the brain. But it's so worth it. Rock on!
Teresa - keep it up; when you said “imagine Caleb looking at my statement” gave me a chuckle - so true! An inspiration! Build a better life!
@@BohemianDollhouse I got an honest question as someone who never had debt (except for student loan which is paid and has good roi). Did you never get trained by your parents or learned basics of interest in school? I learned the most about finances from my parents and self studies.
Killing it, good job!
This dude is really good at making things 10x harder for himself. He’d literally turn 1st grade arithmetic into rocket science. Wow
Oh man that gave me a genuine laugh
Caleb I'm 19 and this channel has literally scared me into getting sober been smoking everyday for almost 7 years now. Recently I was spending 500 a month or more. Thank you my guy for making ne make an actual effort to change
Smoking weed or tobacco or anything for that matter isn't worth it at all tobacco hurts your lungs you gain tolerance weed makes you anxious paranoid hurts your lungs is waay too socially acceptable to the point of massive peer pressure and you still gain tolerance and so the projection of this expense will never have a cap on it don't even get me started on munchies expense because that's the cost of the food plus healthcare dental care and then risking losing your job if something happens and they drug test you
I'm in the same boat as you bro, I really only smoke wax so I'm spending about 150 a week. Trying to quit but I've been smoking since I was 14 so it's pretty difficult.
The average cigarette smoker makes 5 attempts to quit before it sticks. If you falter, try again. You are worth the time and energy to gain health.
@@jackolimb6145 I got a case of beer and got drunk every night for a week don't recommend it but that really helped me through the first week when it's hard to sleep or eat without weed. Aside from that I'd just rather have the money. lighting up a 20 dollar bill couple times a day adds u0 quick😂
@@austintomkewitz3981 I largely disagree on weed no different than alcohol especially in a legal state or country. U just need self control which I lacked so i stopped completely. There are plenty of ppl that have a healthy relationship with it
Found this Channel like a week ago and can’t stop watching. Caleb is like a more relatable Dave Ramsey for millennials
Hopefully he’s not as sexist, arrogant, and corrupt as him
@@mithicash1444 I do like Dave Ramsey and have learned a lot from him, but I think what Caleb does works better for most people. Dave still knows what he's talking about though on a lot of things(not everything tho)
Gen X here, I tried to get into Dave Ramsey but I found him dry and condescending. Caleb is relatable, he's brutally honest but he also shows empathy.
Man college sucked for me because I worked ALL the time and almost never ate out unless it was paid for by a presenter at the college lol. I bought one dress during that time as well but I graduated with no debt and savings in the bank and these videos make me SO grateful for that. I didn’t even know how valuable that would be for my future self.
I was so grateful I did night school while working in the day. I did office admin certificates as I went in my 20's, paid cash up-front and kept working full-time in the day. I've done this twice, but have never had a student loan and it really helped my time-management and work-life balance skills.
You guys are absolute beasts!! I was lazy in college and ended with 26k in loans. Hustled for 3 years to pay them off and made the last payment when my daughter was a newborn in 2021. You guys took the harder in the short term, waaaay easier in the long term approach and that's impressive 🎉
Great job paying them off!! That take so much self discipline!
@@jjharrison4099 It was scary making that last huge payment when my baby was sooo little and it was close to 10k. But so worth it, that monthly payment was just holding our family back 😤
I feel that! I did the same thing, worked all the damn time and did damn near no social stuff that costed money. I don't even know why I was like that in college but in grateful I was because I was able to pay rent and stay debt free through school
I switched to Mint Mobile last year -- one of my best financial-saving decisions. I have the exact plan I have before and went from $85 a month to $15. I pay $180 a year, all at once, and thus far I've not had to purchase more data monthly. That was a game changer and glad you're advertising it, Caleb. It was super easy to switch.
I've been on yearly plans for year in Australia. Anywhere from 14 AUD to 20 AUD a month.
I get discounted plans and either have the agent apply the Sim credit to my account or port out and back in to show myself as a new customer (technically it's for new accounts).
Don't have to think about it for 1 year.
Honestly mint is so amazing, the service throttles sometimes but definitely still worth the savings. I went from like 75 a month to 20 (also paid yearly)
I don’t understand how someone could watch a few of these and not turn their shit around. I Felt guilty about buying a $1.24 coffee the other week. Also selling my car next Saturday. Life changing
Better question where are did you get $1.24 coffee 😂😂. Keep it up mate your on financial freedom
@@erickn7985probably a gas station small
I’ll give you a burrito for the car
I gave up Starbucks Jamba Juice Jarritos and Wingstop and sodas for good oh yeah I’m scared but I’m excited at the same dam time 🫣
@@erickn7985 speedway coffee costs just under 2 dollars for any size and half the time they let me just leave without paying because they don’t want to ring me up 😅
Dude, I am absolutely addicted to your show and see why your channel has exploded in subscribers. I wouldn't be surprised at all to see you on network TV with your own show. Love the content, love you, keep doing it man.
As a teacher… I tell kids that learning a trade is an amazing path. College isn’t for everyone. My son is 19 and makes 85,000 a year in his trade! I wish kids heard this more in high school
What kind of trade is he in?
@@maestacy6745 he got his CDL (Commercial Driver’s License) and runs heavy equipment
Trade school isn’t for everyone either
@potato1084 don't necessarily need to go to school. I got into the hvac trade by starting as a shop hand and working my way up. No school debt and I'm currently at $35/hr.
good on you, certifications is a good way to go, get entry into IT at the service desk, pick up some cisco certs and move into network admin you can easily be at around 100k a year after a few years experience. Caleb is bang on the money for cybersecurity, as that is where the industry is heading, i would have picked up a cert in that too and shifted towards security but I got pregnant and decided on taking some time off career to bring up my baby.
You were exactly what he needed at this point in time. Not letting him make excuses for his behaviour and go off on tangents. Great episode Caleb, and good luck to Carl!
I'm stunned by how much people spend on food delivery services in your videos. It seems like it's crippling a generation of people in multiple ways.
Dopamine, instant gratification with no effort.
Idk how people insist on using it the price when ur about to checkout is absurd, I used it in the beggining of it but got turned off by its total price
I bought a little motorcycle (scooter style) and go and buy my own food.
I’ve been thinking about that!! I’m 26 and I NEVER get food delivered, but I live in a populated area so I don’t know if that helps. When I see someone on here spending so much on DoorDash I’m like… why?!?! It’s not quicker or cheaper!
Yes on food delivery and eating out in general, meals at home cost on average $1.50 a plate for my family(yes I do the math lol). Me being stay at home saves so much on food and child care! And not dragging our finances down with student loans and car payments
First date with Caleb will be a financial audit at Panda Express 😂
Financial responsibility is hella sexy.
Mmm. Can we make it Central Market or HEB? Better quality food, not all that much more expensive.
He seems like a very positive guy despite his circumstances and I get the sense that he's committed to a change. Best wishes to you, sir!
I feel so badly for Carl. His story is very similar to my own, and I totally hear him on the student debt and budgeting struggles. Definitely appreciate showing relatable financial journeys.
I work in design and I've met a lot of people who have been basically scammed by some of these design schools. I constantly get targeted ads on my LinkedIn for Fullsail
Nobody put a gun to your head and forced you to take on all that debt however you should take a hard look at your friends and your family and the social contagion of go to school you'll make great money it'll be easy
600k in medical student debt would love to sit down for future budgeting plans with ya caleb since situation is unique. Love your videos.
Here's what he'll say,... Don't buy anything that isn't literally life or death necessary,... Get a roommate... Buy a bike. Phew. Good luck tho!
Unique in what way
There’s an application to be on the show in the video description
600k in student debt??????? How??? Buddy you’re completely fucked there’s no budgeting that could possible fix this 🤣
i need an advanced mathematics degree to comprehend Carl’s process of paying his bills
I have 9 accounts but I only use 6 the other 3 have $8 each just in case I need to buy a Happy Meal my direct deposit is split between 4 accounts and I transfer money to the other two for a dog food fund and toilet paper and the other two accounts I use to pay off the overdrafts in the Happy Meal fund
Honestly it was so confusing, I’ve watched him explain it twice and I still don’t get it. It’s like an envelope method that’s been sent through a blender
@@MAD_KIOTTI"Happy Meal fund" LMAO
I have a mathematics degree and I still don't understand his system lol
LOL, so do I!
Caleb is the true definition of give a man a fish feed him for a day teach a man to fish feed him for a lifetime. And then all the viewers in similar situations taking notes and applying them. I want to see Caleb hit 1 million subs by the end of this year he deserves it.
Rod Swanson: "Give a man a fish, and you feed him for a day. Don't teach a man to fish, and you feed yourself. He's a grown man. Fishing's not that hard." 😂
Close! He's almost at 1 mil now!
You're changing lives man, I rarely binge a channel but yours is truly an exception. Keep up the great work
These videos make me SO glad I had financially savvy parents. My dad told me "once you get into debt your life is pretty much over and you'll die penniless so don't do it" and I never did.
Right! My dad said never get a credit card! Never had one and only spent money I actually had. Easy peasy. I had a school loan until my dad found out that a nearby hospital would forgive my loan if I work there after graduating. I am very thankful for the path my parents encouraged.
it’s a coin toss. my parents taught me nothing about personal finance, credit cards, loans,anything financial at all. I had to figure everything out myself. Have 2 cc’s no missed payments or carried balances. I do have school loans tho but all i can do is keep going and learn from my mistakes.
Wow. This channel is something I never knew I needed. I’ve binged almost all your vids in the last week, I’m so hooked.
I’m in a fortunate financial situation but you’ve got me to create a budget. Seeing how I should really be allocating my funds has been eye-opening.
Congrats on the INSANE channel growth, you deserve it.
Thank you so much!
My wife and I are 'comfortable' - but Caleb's channel has definitely inspired me to be way better. Thanks for doing what you do!
Caleb’s fourth wall break when he mentioned e-harmony being a scam. 😕😂
That was hilarious 😂
I've been a graphic designer for almost 10 years now. So this hits a little close to home for me. I was paid like shit for the first 3-4 years of my career but I've been at my current company for the last couple of years and more than doubled my salary. Graphic Design and 3D work isn't anything close to a "niche' thing, if you have a good portfolio you can do really well. Design is competitive as hell but if he's as good as he says he can easily find a better job and move on up the ladder.
Thank you for these videos! I sold my car and paid off $18,600 in debt since I started watching you at the beginning of the month.
You’re doing so great!!
i paid off a trillion dollar debt in a week after finding his vids.
@@GodsChosen69 Amen. Some of these comments are so hard to believe that I'm leaning towards bot territory.
@@GodsChosen69if he sold his car, he absolutely could have paid off that much debt.
Gotta appreciate that he's trying his damndest to figure out the debts and all but man..
Everything has a story with this dude
Yeah, omg reminded me of a few of his other guests, like the guy in Colorado and the almost homeless guy. 😂
I like this guy a lot and I really appreciate that he is trying even if he can fine tune things a little better after he talked to Caleb
Thank you someone had to say it
51:32 51:39 51:48 ridiculous
I dont think any of them received any tough love growing up. They were constantly bailed out and it shows.
"Sometimes, I don't have food at home, so I have to go out."
Bro, if you can get to the drive-thru, you can get to the grocery store
Exactly like come on you can spend $200 and you have what you need for week.
In the UK if you are desperate for a quick meal you go to the store and buy a ready meal for £2. It's so much cheaper than a takeaway and quicker. Even a £5 fancy ready meal is cheaper!
Ehh. I work 12 hours on midnights. People don’t always have the time & energy to cook
@@MercurySmith- So meal prep then. Or if you're that extremely tired just slam a sandwich, those things take less than a minute to make. If there's a will there's a way brother.
@@viktorepifanov7138Eh if I get something under $3.50 at the gas station or taco bell it is comparable to what I would've spent on the groceries for one meal. Plus if you eat something before grocery shopping you'll spend less at the grocery store on bullshit like snacks. If you have an addiction to fast food its different. But just looking at money alone the cheapest meal possible at a lot of fast food places (like the mcchicken & mcdouble 2 for $3) is close to what it costs to cook at home. Occasional fast food won't break your total food budget if you actually meal prep less and get less groceries, like anticipate Wed/Thurs I work 12s. I know I won't want to cook so I'll go ahead and only prep for 5 dinners this week.
Caleb, because of your super practical perspective & advice, I'll be paying off my first card this coming month, paying off my next card in June, and aggressively attacking the final one right after. Once these are done I plan to open a retirement account (about 8 years late, but better than 8 years from now) and I am feeling so positive about the future. Thank you for all you do.
Also, a word about the crunchyroll membership, if you're planning to cancel your crunchyroll membership, remember to call their desk since cancelling crunchyroll doesn't entirely get you off the hook - they're known to still charge you even after you pressed the cancel button on their page since they still have your info.
EDIT: even though i'm a voice actor that loves anime, and i respect my anime va peers, i also want to value truth.
Oh yikes
Yeah and even then get something in writing emailed to you with dates after you call cause they still might try to squeeze you later... That or cancel the card linked, set it on fire, travel to mt doom, find an oversized eagle......
Can confirm. Will never use that service again.
lucky for me that didnt happen. im just surprised he still has funimation since chrunchyroll and funimation merged like idk 2 years ago now? funimation doesnt even get new shows anymore.
He should be cancelling the funimation account initially, they were acquired by Crunchyroll a few months ago so he's getting double dipped currently. All Funimation shows have been moved over to crunchyroll
One of the biggest issues of overspending and the lack of budgeting responsibly comes down to how much “convenience” expenses add up. They are conveniences that people in these dire financial situations just can’t afford.
First thing I do on these videos is read the chapters and I’m always terrified and excited at the same time 😂🤯
The chapters always make me laugh - they’re so dramatic but also true
Man, i am about 1200 in the hole not including my small car loan and some student loans that I have and this channel has made me cut my maxed out CC and I have started the snowball payoff method (lol i am only 20 so it's not a lot but it feels like a lot.) Great content Caleb, also crazy to see how fast you are growing!
I'm so happy that you mentioned Mint Mobile!! I've been with them for about a year. $180 for an entire year vs getting destroyed for NO reason by Verizon? AND a Christmas card from Ryan Reynolds? Can't beat it. 🥳
The Christmas card is the best part, no joke.
Works great if it works in your area. Deep in the colorado mountains theres only about 2 or 3 reliable networks
When I started watching this channel I though ‘this person has to be the minority.’
Several months later……..I no longer think that.
Thank you, Caleb, for providing a service to your subjects and viewers that should honestly be required education in high school/ every level of college.
Something like 2/3s of Americans can't afford a $400 emergency. It's the norm.
One third of Americans have less than $100 in the bank😑
The close ups on Caleb’s disappointed face is killing me 😂😂😂
Finding your channel is gonna save me. Watching you roast ppl in my situation, even though mine isnt as bad its really opened my eyes and gave me the kick in the butt i needed to get myself out of debt.
This guy had me at “eharmony took me to collections” like what? 😂
NEVER EVER sign up for an annual membership on a dating site
Just starting this video but as a graphic designer myself with a degree in it, he could be making SO much more in a design position. I make almost double with like 7 years of experience (I'll be turning 27 in a few months so I'm assuming we have the same experience level.) I know I could even be making more, but I'm just comfy in my current job lol He just has to keep looking! There's also so many insane paying remote design roles right now. His skillset with 3D is super valuable and I think he's really underselling himself!!
That’s what I thought but I’m not in that field. He just kinda gave up assuming he couldn’t find better pay 😒
Yeah, if he has an average portfolio he can make 60k easy in any metro area... So I have questions.
Edit: Full Sail... So no portfolio. Sigh.
@Brianna Boyer dude sounds like he gives up easily. Motivation is lacking. He could still be looking for another job while in his current job if he wanted it enough
I found this channel a month ago and I've been addicted ever since- I'm 28 and am currently working towards buying my first home and saving for retirement. I do save almost every month, but it isn't as consistent as it could be, when I could and should be saving more- so thanks to this channel I've created an actual clear budget, and I'm going to stick to it to hit my goals. Thanks for everything you do Caleb (and thanks to your guests for laying their finances bare too) - here's to us all working towards a great financial future! All the best from the UK!
Bro, this guy is doing Rocket Science to balance a checkbook, good luck to him but damn I need an advil now.
Struggled with food addiction for years, to the point where I spent my emergency fund on it and was spending my last dollars on McDonald’s when I had bills due the next day. I’m very thankful I’m young and never got into credit cards or debt. Watching your videos and seeing other people dealing with spending too much on fast food has made me feel less alone and ashamed and feel more hopeful about saving money. Thank you.
This guy’s girlfriend is living with him while he’s still paying an ex-wife and for eHarmony?? That relationship has to be a month old! Wow, this guy makes really poor choices!
I hope nobody ever steals this guy's stapler.
I think this guy has the potential to get out of this massive debt, he just needs to axe his spending and make lifestyle changes that he seems open to doing. He really seems receptive to calebs suggestions and has the desire to learn more and fix his situation. Looking forward to coming back and visiting his situation again soon!!
“Paid for the wedding of which the relationship no longer exists” 😂😂😂😂
I love this channel, man! I'm actually in a good spot financially, but these audits have really encouraged me to make some better financial choices. I cut my spending on food by over 150 dollars this month and Im in the process of negotiating my insurance and internet bills to save even more.
Youre doing great work for everyone involved and I bet you hit 1m subs by the end of the year.
I’m trying to save money on groceries as well and meal planning is a dream 🎉🎉🎉
I loved the section where he gave a life story about why the groceries weren't enough. Caleb was just sitting there like, "Uhhhhh...... I'm not following how this pertains to food on the table."
20 or so seconds of pure confusion on how that story was going to circle back. Lmao
😂
His facial expressions were the best part 😂
I want to thank Caleb, I paid off my credit card. I had enough in savings to do so and still have a decent emergency fund. You saved me $500 in interest because I was going to slowly pay the credit off this year. Pretty much, I just did it and thank you.
Caleb, I am probably the opposite of an expert (20 y.o. living at home for college with his parents who are both accountants) but these videos really help me on my commute everyday, because instead of flipping out with road rage, I can flip out on 6% interest on student loans 😅
Thanks for helping so many people, having this knowledge will certainly help me out once I move out on my own. Take it easy, Mr. Hammer!
I can’t thank you enough for these videos man. I am learning so much and getting entertained at the same time.
Spending cash not triggering the pain response with younger people is a really interesting point. Now that I think about it I am the exact same way. Spending cash doesn’t bother me one bit because it’s never included in my net worth. Basically feels like free money.
This is how I feel. If my budget is $10, spending on my card I'm stingy and really thinking about that expense. If I have $10 cash, I think "ooh, I get to spend $10!"
Yeah I've been thinking the same way recently. I don't like doing "bullshit spending" unless I have physical cash, then I treat bills as a free meal ticket 😂
I feel the same way 😂 Apple Pay is my bestie. But yh I budget pretty well through my online banking apps and have really high discipline when it come to credit cards etc but cash just feels like Monopoly money? 😂😂 I lose it so easily and it’s hard to keep track of. I feel like this is a huge switch from my parent’s generation who were far more irresponsible with credit cards and card spending.
Yeah, I always try to pay as much as possible with my card, because anything paid with cash is kind of meaningless to me. The moment I get it out of the ATM it’s already „paid“ for, because it’s already gone from my account. I think the big difference is whether or not you actively monitor your accounts. If you look at the bank statement only once a month or don’t even bother at all, I can see how spending with a card can be quite easy to lose track off.
This channel has made me start budgeting. Just paid off my Discover card, and today (Payday), paid nearly 50% of the balance on my Citi Card. After those are finished up, I'll move on to my 2 big credit cards, Amazon and Best Buy. Next year is going to be a great year lol
I've always said I'm awful at math but good lord this dude is blowing me away with not just pausing and taking a minute to run some numbers. Seemingly everything he does only hurts his situation more and unable to learn from the constant mistakes. Also have been a designer for 10+ years and totally true if you have a good portfolio of work I could care less about your education but I will certainly have a pause if I hear you have a design degree but its from a diploma mill and not even a BFA. Being a competent designer and 3D modeler is not niche at all either. It should actually open up a lot more opportunities. His work must be not strong at all because I'm baffled.
im
I'm glad someone called him out on the niche statement. It's obvious that he's been too lazy to market himself (ie job hunt).
Sounds like this guy just watches anime and eats mcdonalds instead of working after hours to improve his craft
@@tb.8981 Maybe its the content that he is making that is for a niche audience, rather than the skill being niche.
Couldn't care less
yes, i thought it was strange too. My sis works in graphic design and earns waaaay more, she doesn't have a degree, she just did a short course to get the basic skills and just kinda polished her work through experience. But these days she contracts out rather then a steady job, it pays significantly more.
Caleb has forreal forreal changed my life. If I ever go to Austin I'm definitely doing a sit down with him for a Pre & Post Caleb financial audit.
❤️❤️❤️
Love getting to see a Financial Audit on Friday!
Watching your videos have helped me so much! I am a full time college student, which i used to think meant being in debt was a given. Im taking my finances into my own hands and learning to be financially responsible within my budget!
Thank you for doing this Caleb. You’re not only helping people who are struggling with debt but you’re also spreading an incredible amount of awareness to other people about how important it is to save money and have a good budget.
It’s cool to see Caleb’s subscriber count go up every episode
There's something really disordered about this person, beyond his messy money situation. The career flip flops are a red flag. Especially leaving one desk career to work 'with his hands'...only to immediately end up doing the exact same desk career again...only to accrue debts for certifications...and justifying at least some of the career moves by invoking a pay ceiling. If he had stayed in the career as a graphic designer, he would have gotten much further along financially...
I was thinking the same thing. A gym membership would have been cheaper.
What a lot people forgot in this situation this can actually one from childhood and this why his behaviour is very all over the place !
Probably the fact that he doesn’t listen to anybody other than himself speak. Any advice to this guy goes in one ear and out the other while he thinks of the next tangent he’s about to go on
Came back to the episode after the email. Glad to see he's made progress!
Was there an update audit done for him? I’d love to see it but it’s not mentioned in the description and scrolling through all videos isn’t helping.
@@Am-kinda5501 no, Caleb has a newsletter and the update was in that
Time to see how Jonah Hill is doing in his life I guess.
Edit - Man this guy's story is similar to mine. Massive private student loans, out of school making just enough to keep my head above water. Took until my mid 30's to pay it off, after I had gotten a few raises at my job. Go to public schools! Don't take massive private student loans! They should be illegal, 18 year olds are too dumb to make choices like that.
I got home from work at 5:30 today and per usual hop on YT, for some reason the algorithm recommended one of your videos (probably bc I’m bad with my money) and I’ve been watching since then, it’s now midnight and I now have the motivation to turn my financial situation around. Holy shit, new sub. Keep it up man, I’m 25 not too bad in debt but I’m tired of living check to check when I really shouldn’t be.
A blessing, I appreciate you mr hammer 🔨
Seems like a nice guy (Carl). Hope he finds a way to clear his debt and prosper. It won't be soon!
Holy cow, I am exhausted from listening to this guy taking the long road to answer Caleb’s questions.
I’ve been enjoying this financial audit series. I think even if you don’t owe any debt, there’s a lot of value. If you can develop the kind of mindset that Caleb promotes, you can really set yourself up for future success.
Goy Johah Hill vibes🤔 Not an insult! Good luck Carl!
Caleb somehow has the most and least patience out of anyone I've ever met. I love this channel.
This is the first YT channel in almost. 2-3 years since the huge financial stock boom that isn’t a rip off of selling courses. I’ve been binge listening to these for days just learning so much about to how move smarter at 24.
I love this show so much. Really made me want to get my money sorted out
I'm so glad I finally started making overnight oats. It is so cheap, and my daughter loves it. 1 cup rolled oats, 1 cup milk, 1 tablespoon chia seeds, cinnamon (1 teaspoon) and honey (1 tablespoon) to taste... so good! I would cut that recipe in half if you want to add fruit.
I love mint. I Switched from Verizon. No change of service but saving $85 a month!!
Here in Italy I have never heard of credit card debt / car debt/ lesases… the most financial burden some of my friends have is a mortgage. This channel has really given me a different perspective on how finances are dealt with outside of the EU
Do people just pay everything in cash up there?
You've seen nothing yet. Here in Brazil people get in so much credit card debt that banks will give them the option of paying for the debt in INSTALLMENTS. That means, say you weren't able to pay the April bill, you could split that bill in like 6 months. That means you'll be paying for the April bill until October, on top of all the other monthly bills. It's absolutely crazy
@@nightshadesylvdebit cards. Ppl in europe dont like to spend imaginary money they dont have. System in america is set up with credit cards as pretty much the main paying instrument so it can pander to the loan sharking banks and to get you to pay interest rates on pretty much everything they can get that hooked on.
In europe, you spend and youre limited by the money in your checking account + most usually banks in europe give you an allowed minus for the amount of your two monthly paychecks, that is if you are employed of course if youre unemployed you dont get an allowed minus. Additional thing is car payments, car financing has become popular in europe only like in the last 6-7 years, most europeans even today go for used cars and they buy from private sellers rather than used car dealerships. Additional reason for that may be that ppl in europe tend to care for their cars(the majority od them anyways). Hope i cleared it up for you.
Personally as an european from an even poorer country than Italy hearing these stories of debt is simply mindblowing. And in my mind its the system you have over there that is actually set up to do that do siphon as much money as it can.
You can ridicule us for our social democracies and what not but unbridled capitalism is very much under control here unlike the US.
This guy is proof that being a know it all doesn’t get you very far in life
😂😂😂
He’s not a know it all?
Hahaha I genuinely got annoyed listening to him talk 😅
I skipped past him blabbering his excuses for 30 min straight
I had to throw my hot take in on this video as I also went to Full Sail, a different time, but actually in the same degree program as Carl. It was a great experience and although expensive, it was a solid school. The lowest I've ever made is $50k/yr. I've now tripled that about 10 years later. Its all about not giving up and continuing to improve your skill sets. If Carl would like, i'd love to offer a free portfolio review or this specific career help in landing a graphic design role that pays way higher than his current job. Keep up the great work Caleb and Team!
Love love love this show. I'm working through all the videos slowly and am learning so much
Thank you, Caleb.
My only minor gripe is the graphic on the budget breakdown. I wish the category labels aligned with the categories on the donut chart 😅
I need a version of this show for diet, weight loss, exercising, ect.
Finally Caleb mentions Mint mobile!! He told someone to switch to AT&T the other day and I was like Nooo Mint is way cheaper 😂
I think AT&T was for better connectivity in the Austin area and still being 50 bucks or so cheaper. But I agree if you are climbing out of debt get Mint yesterday.
I just wish Mint supported my smart watch.
We had mint for a couple years. Was decent enough but t-mobile towers are kinda meh near us. Recently switched to visible, which is Verizon towers, and got a promo for $15/month for a year. The coverage seems to be a bit better for our area. Helps that I wfh so I'm on wifi probably 95% of the time
im addicted to your vids. i used to think you were way too harsh on your guests, but i like your style now. new subbie
The common theme with the people on this show in how they spend their money is either FOMO, YOLO, or ignorance is bliss 😅
Caleb very charismatic.
I love it when he just rolls through their transactions and is like “McDonald’s, McDonald’s, raisin canes, McDonald’s” 😂
Cabo Bob - Taquitos, LOL
We love watching your videos, but we would love to see more pertaining to family situations! Childcare is a huge expense that we haven’t yet seen discussed.
Caleb’s ramble into the “guess what!?” And then slapping the statement to the table, took me out!! 😂😂😂 He’s built for this haha! I’m obsessed and I’m definitely on stage “binge-watch”.
Mint helped me budget but YNAB even with the $99 yearly really opened my eyes to what my money is doing. Caleb not sure if you used it before, but it could help so many people as well.
I love the close ups of you trying to listen
We gotta help Caleb find love. There has to be plenty of fiscally responsible young women interested in a panda express candlelit dinner?
I randomly came across this channel two weeks ago and Im hooked. I had about 2500 charged to 3 ccs and was just chipping away at it slowly despite having the money to pay it off. I now have all of them paid off. This channel really opened my eyes to bogus charges (coffee every other day, convenient store snacks, etc.) I make everyday & Im going to be way more mindful now. Thank you for changing my mindset!!
ALLY Savings Buckets... up to 10 "savings buckets" within 1 savings account. Pro tip. Thank you Caleb
I respect the people coming on here. I love coming here on payday and helps me manage my money even better each time! Sacrificing things to only for a little bit to create a better debt free life is the way too go! Or you will be in struggling for life. Bless everyone reading this and hope you reach your goals 🙌🏼🙏🏼💪🏼
I'm going to school for construction management! I'm doing estimating for an internship. The industry pays really well but it's kind of a thing to go out for lunch every day and stop at the gas station 3x a day😂 I was spending half my check because I wanted to fit it. Sounds so stupid looking back on it
Financial General Sam, you put out soo much content so often, please dont burn yourself out.
Caleb leaning his face into the mic and saying "oohh nooo" after learning of the smaller debts. 😂
You can make your own frozen breakfast sandwiches, burritos, and other convenience foods for less than take out and frozen breakfasts. It would require you to put in the time, but some people don't have the time or just don't want to. People that are truly broke and can't squeeze out a few bucks for takeout make time to meal prep.