I think you should make wallets...just throwing it out there but a wallet that's slim of course and has taquitos or your face on it would fly off the shelf
Finally. This is a solid episode where you’re actually educating someone rather than just running in circles trying to get through someone’s mental health issues.
Money management is like 80% mental. The mental health and ethical issues people have are the reason most people are in debt. It’s not educationally challenging to understand how to not spend more than you earn
@@danielcooper3868it’s 100% a behavior problem for a lot of people, I agree whole heartedly with Dave Ramsey on that. It’s not always just a math problem, fix the behavior first, then worry about the math.
@@danielcooper3868 My money management has dramatically improved in the last 8ish months. I finally got a good job that pays quite well, but moreover getting a good job where I'm respected and can serve my community has really improved my mental health. It'll be about 5 months before I'm debt free, and the couple black blotches on my credit will be gone by the end of the year. Although not great, (and Canadian) my credit has gone from 530->610 in just the last year. If I stay on track I'll be entirely debt free (other than a mortgage that's principal only by this point) and have my credit in the 700s by January 2025.
@@somethingshiny343 Mental health can explain, but not excuse bad behaviour. Caleb consistently recommends and supports therapy. He's not a mental health professional, he's a financial professional. If someone's mental illness means they can't be trusted with a credit card, then that person should not have a credit card. Simple.
I love this guy, he didnt fight Caleb, didn't talk back or make ten billion excuses for each cost, just listened and tried to understand a situation he had been unable to talk about for a long time. It seemed like he truly wanted Caleb's help and I hope we get a follow-up episode with him eventually.
@@NotVal501 the episode I watched was him talking back and challenging Caleb on most things, was kind of maddening I thought. I was confused about what episode you were watching. If a difference of opinion is antagonistic, then yes I was
So refreshing to get an episode where we dont have to listen to a 45 minute backstory and can just jump into the numbers without stories and stories of excuses. We need more like these!
This episode really gets to the heart of debt. This guy’s situation isn’t outrageous, he had a pay cut and just didn’t adjust his lifestyle. We’re all so used to debt that 12% interest seems good. Working on debt takes a real mindset adjustment.
What really helped me understand that 12 percent is really really bad is messing around with an investment calculator. The difference between 5 and 12 is astronomical when it come to retirement. The difference between poverty and comfort in several scenarios.
As a teacher, your sandwich object lesson was on point. Sometimes it takes a literal, visual demonstration to help us see what we previously couldn’t. Was it slightly unhinged? Yes - but, it was sound ☑️
@@Playingwithproxies yep he needs to pay his staff and maintain himself so that he can help people who watch it. google is free its 2024, you dont need a professional advice when most of the people that are on this channel can clean up their debt if they just stop the bullshit spending. i would dare to day 90% of ppl that are on here would be out of debt if not for bs spending and stupid car loans. thats it. not rocket science.
I think Caleb finally cracked!!! A kitchen demonstration of Caleb making a sandwich was priceless. I bursted out laughing and accidentally interrupted my co-workers meeting that’s happening next to me. Whoops! 😂
Best show in a long time! Finally not a crazy person or wanna be influencer. Nice to see a person who wants and NEEDS some good guidance. I have very high hopes for a mature turn around.
Caleb, I’ve been watching you for a while now, less than a year probably. When I started watching I was not in a great financial place but after hearing your voice screaming in my head every time I buy something stupid I’ve turned myself in a better direction and will soon be debt free from all of my credit cards in February! Thank you for being in my head and keeping me on a good path! Haha
Same. Finally have an emergency fund thanks to you! Doing the course now too which I know will help me stay on the right track. Appreciate you and your team ❤
I want to put my testimony here in regards to vaping. I vaped for two years and had quit smoking cigarettes. I want to thank Caleb for the episode that aired 3 wks ago with that young girl in her early twenties that had a lung disease due to vaping. I quit that day. Let me tell you, whomever is reading this, vaping is horrible for you. The oils that get in your lungs eventually suffocate you. Anytime you're sick with a cold you cannot and will not cough up all that build up. I feel so much better since I quit. I feel like I can breathe again. So thank you Caleb for that episode. It hit me hard and scared the crap out of me. Remember guys, it's a want, not a need. ❤much love and I hope this message helps someone.
I just became debt free today! I feel an immense weight lifted off of my shoulders and I excited to finally have a fresh start in life. Thank you Caleb and co for what you do. (:
@@M_SC thats the exact word I meant. They are iterating over the process of making these videos and creating the graphics and effects. Each iteration, they (hopefully) learn and get experience and improve upon the process.
@@DericAnslum ...tell us you've never once seen the phrase "Iterative Process" without telling us. Its a real phrase with entire chapters of books dedicated to it. Every video they put out on this channel is another step in the iterative process.
Being scared to look at yourself and debt is a real thing. Too bad it took me til 33 to finally face myself and debt. 7 years later and now I only have a few thousand in student loans and fully funded emergency fund. Removing all that credit card debt has definitely been great for my mental health.
me in college was too mclazy to cook but then I realized cooking could be a form of artistic expression and now (5 years later) i black out and food appears 10/10 would reccomend ALSO GOOD FOR YOU CALEB, Weight is so complicated and making the changes you can towards better health is so awesome. MAKE A MCDOUBLE IN YOUR MCHOUSE WITH MCGROUND BEEF FROM THE STORE hitting him with the sandwich is good comedy 😂 41:20 - the dead eyes is also funny af
My problem now is that the eating part isn't even really something I look forward to. I enjoy the process so much that I almost ignore the results lmao. My friends and family are well fed 😅
Such a refreshing episode! Tip for saving/budgeting for groceries: grocery pick up if it’s available to you. You can watch it total up as you add to the cart and make adjustments and you don’t impulse buy things at the store.
Also helps to keep an eye on the prices. More stores are starting to have higher prices than their shelf prices (I.e Walmart and Target). I’ve had to have price adjustments made at the register. It’s not much sometimes (ten cents here and there) but it all adds up, and never in the favor of the consumer…
@@CalebHammerI think you should make wallets...just throwing it out there but a wallet that's slim of course and has taquitos or your face on it would fly off the shelf
Completely agree! I started packing sandwiches to college for lunch and you won't believe how much less stretched my budget is now, compared to when I was buying lunch every day.
32:23 this conversation was one of the more productive ones based on the guest’s question right there clarifying the info. He’s not delusional, just needs to focus and buckle down! There’s hope for this guy. Finally sounds like it’ll be worth Caleb’s time!
Your fiddle leaf fig in the back needs some more sun. You can get it a UV bulb that you can put in a lamp to get it some rays. Also water once a week in summer and once every two weeks in winter. Good luck
@@begzodismailov6297watering tip is not too general, this is actually great. 90% of watering tips are “water when it’s dry an inch under the soil” not helpful… people need tangible answers
Early crowd time!!! 🎉 also CALEB! I paid off ALL my credit cards - I have some personal loans but I have successfully paid off all my super high interest credit cards! Huge relief! Thank you for helping me feel like all the bullshit adds up!
Huge props for Mike admitting this was a tough chat to get through! Finances can be inextricably tied to our emotions and put us into bad spots, but the important thing is putting ego aside to see the situation clearly. This was a great episode!! I'd love to see you talk about how to navigate purchasing your first piece of real estate. It was briefly mentioned at the end there and I think it would be a super interesting topic to explore when someone is maybe a bit more financially stable.
Awh I like this guy. I hope he gets ahead of his current problems. He seems like he is genuinely trying to help his situation instead of get screen time.
Big fan caleb. Also. You should make a video of you grocery shopping for a week for 1 and showing how to shop and what food you make with those groceries. 🎉
Thankyou for everything you and your team do Caleb. Because of u guys, i got the motivation to get my finances in order last year, and today im in a much better place.
One thing I wanted to note about the sponsor, Gerber Life don’t buy anything with them. When me and my four cousins were born, my grandma took out insurance policies for all of us. However, when two of my cousins passed when they were young, they didn’t pay out either time. They are snakes
Little more nuance than that for insurance. I’m sorry you guys didn’t get the cover you thought you were and that you lost family young! When you open insurance you need to understand what you’re covered for and all the exceptions. Most life insurance from the last 40yrs doesn’t include kids to be claimed on, you could take a policy out for a 2yo but the child needed to be over 18 and passed the waiting period before they die in order to be claimed on. Life insurance can be incredibly helpful but you have to read all the fine print. Insurance is a gamble, you do not know how or when you will die. You’re paying for a service, *if* something happened to you within the specific parameters of your policy you will be paid out, if not, no pay. It’s a *what if* service and if you’re not in a position to handle that risk, invest, use a high internet savings etc. there’s other options. Again apologies for you loss, I hope this doesn’t come across as blaming your family. I work in insurance and it’s devastating seeing people contact us having no clue what they have been paying for.
It’s a good company I am an agent and I have written policies plenty of times and got my commission taken back and they did not pay death benefit it was always because they did not disclose something in health. They have a right to contest within 2 years
I know Caleb still got worked up in this one. But it was still a breath of fresh air compared to the last SEVERAL episodes (although I think Noah is much better in person that in audit based on the vlog)
I have orientation for my second job this weekend and an interview for a better second (or third) job next week! My debts will soon be gone and my retirement booming. Y’all are the only people I feel comfortable telling this to.
Found Caleb in early November 2023 and instantly started budgeting based on all his rules. Budgeting isn’t easy and is a lot of sacrifice, but thanks to Caleb’s advice, I see where every dollar goes and have stopped over spending because I don’t want to go over a category in the budget. February budget has me very motivated to keep up the momentum of staying on track because it’s very easy to fall off!
Love the Financial Audit, as always! If you start inviting guests in “good” financial situations, I would be interested in seeing their finances for the past 1-2 years to see how they navigate some of the unexpected expenses. It would also be interesting to see how different tax brackets are able to live in low to high cost of living areas.
I thought Caleb's shirt matched the pie chart on his desk! It's definitely a light bulb moment to make pie chart shirts for your merch! Great episode, keep up the good work Hammer Team!
Caleb, we realise how much work you and your team put into all of this and we highly appreciate it. You’re helping a tremendous amount of people, regardless of which ‘type’ of guest is on the show, so thanks for keeping us accountable and showing us what irresponsible spending can lead to if we don’t do something about it ☺️ Edit: just wanted to say i really get a good vibe from this guy. Seems he just wants help, and is ready to make changes.
"Wouldn't that effect my overall credit history?" Not as much as having $20,000 of DEBT. People, please learn from this. If you can't afford to pay off a card immediately don't use it. You never know what's going to happen a few months down the road. Having that much debt with no way to pay it off is terrifying.
A rule I gave myself after learning my parents lived paycheck to paycheck/poverty growing up was if you can’t immediately buy it twice with cash you can’t afford it to buy it once much less on credit. Of course I m not perfect but I do like this rule.
@@ElinWinbladThat doesn't quite work in regards to property/vehicles or micro purchases. With that said it isn't a bad mindset. There's so many people who see a credit limit and think they're free to use all of it. I can't remember who it was but he had someone recently who didn't seem to care about the balances at all and was more than willing to let them all go to collections. Having one thing in collections even if it's small can royally screw you over and people don't even care.
@@BrandonWestfall that is true I wasn’t able to fully implement it until I got out of poverty, but it still kept me from buying things while I was in poverty
"41 year old refuses to get a job and grow up" is the video that taquitos is a reference from. He bought a lot of gas station taquitos and so now caleb uses that to refer to things bought at a gas station that are not gas
My mom placed eating out in the entertainment section of her budget when she and my dad first married! That was hard for him but thankfully they worked it out and have both been financially responsible and set me ip for the same.
40:02 you can quit smoking!!! I’m almost 2 years cigarette free and I’ve saved SO much TIME and money. Smokers don’t always realize how much time we spend taking a “smoke break” day after day when we could be doing other productive shit. Keep quitting until you don’t start again. You can do it!
As an actor and filmmaker, these videos with people in the arts are always nerve wracking and cringe inducing. Not because of the guests necessarily, but seeing the consistent struggle to survive in the arts. Having said that, these episode I can relate to the most, and they make me reevaluate my spending habits and retirement goals/planning.
This is the yin to the main channel’s yang. It’s nice to see. Also not having a blurred background is great. Your cohorts can probably manage not to pick their noses for 20 min
I feel like the last two episodes may have broken Caleb. Can I just say that my favorite sentence is " I can't speak on that". A lot of people who have success online tend to use their platform to spout their opinions on everything. They become so absorbed in their own hype and experts in their own minds that they don't even consider the harm they may be causing to anyone who may be struggling with these various issues and follow their word as gospel. It shows humility to clearly acknowledge that you don't truly understand what they are dealing with. You show you care and are supportive and encourage them to keep trying but you always make it very clear that you are not in a place to guide them. It is very admirable and I am sure I am not the only one who appreciates your transparency in these matters. Thank you.
I really hope this guy does well, he genuinely seemed open to the suggestions and didn’t wine and complain and give the woe is me to justify everything like most people. great episode to listen to!
Alpharetta is one of the most expensive suburbs in Atlanta. Surprising how he moved there and said he's saving on cost of living. It would be hard to live in that area on $46k
We built a house in Sugar Hill and I have no idea how he would survive on $46k. He should have looked in Milton, there's usually some older homes for rent off the beaten path.
I don’t even know what the interest rates on my credit cards are. It’s irrelevant to me because I don’t get charged interest. I can however tell you what my cash back rewards % for each is!
Probably closer to $125k. 5% card for everything household, 3% for gas, food restaurants, 2% for everything else. We got married this year in Hawaii so probably slightly skewed but we make the money so why not make it work for us. @@Username0467
Yes when Caleb asked about interest rates I didn’t even know what mine were because I never have to worry about this! Always pay the full balance every month so it’s never an issue
I can't stop laughing over Caleb slapping the guy with a sandwich. As a recovering door dash user (and other food ordering apps) it seems like it saves so much time at first. But with how glitchy the apps get its so much easier, and typically faster, to make something easy and fulfilling.
Caleb! Please give us more insight on the $300 budget for groceries that you actually did. I think we'd all love to see a breakdown of what was purchased and use it as a reference for when we hit the stores.
I live in the exurbs of Atlanta (much like Alpharetta/Cumming, just in a different part) and $310 for gas is honestly not that bad for Atlanta. I only drive to work once or twice a month and it's still close to $80 a month for my gas because of how far everything is from everything else in the metro. If he's driving in to work every day from Alpharetta, that's what I'd expect. However, if he's going from Alpharetta into downtown/somewhere else inside of I-285 ("ITP", he'll know what it means), MARTA (the transit system) is actually really effective and costs about $2-3 per ride from North Springs Station if he parks at their free parking, and he can get it even cheaper by buying a 30 day pass or similar multi-day pass. The rough part is the traffic to get to the station (which, again, has a free parking deck), but if he has a park and ride near him, he can let the bus driver deal with that. I lived near Alpharetta for about a year and got to/from work daily on MARTA.
Please consider subscribing or sharing this video if you enjoy it :) we are on the road to 1,000,000 subscribers thanks to you all! ❤️
Hope you reach it soon
Shared em ALL 🎉
Let's get this man to 1m before The Iced Coffee Hour 🙏
I think you should make wallets...just throwing it out there but a wallet that's slim of course and has taquitos or your face on it would fly off the shelf
@@Endgatornah, get jack and Graham there first
Finally. This is a solid episode where you’re actually educating someone rather than just running in circles trying to get through someone’s mental health issues.
Or ethical issues
Money management is like 80% mental. The mental health and ethical issues people have are the reason most people are in debt. It’s not educationally challenging to understand how to not spend more than you earn
@@danielcooper3868it’s 100% a behavior problem for a lot of people, I agree whole heartedly with Dave Ramsey on that. It’s not always just a math problem, fix the behavior first, then worry about the math.
@@danielcooper3868 My money management has dramatically improved in the last 8ish months. I finally got a good job that pays quite well, but moreover getting a good job where I'm respected and can serve my community has really improved my mental health.
It'll be about 5 months before I'm debt free, and the couple black blotches on my credit will be gone by the end of the year.
Although not great, (and Canadian) my credit has gone from 530->610 in just the last year.
If I stay on track I'll be entirely debt free (other than a mortgage that's principal only by this point) and have my credit in the 700s by January 2025.
@@somethingshiny343 Mental health can explain, but not excuse bad behaviour. Caleb consistently recommends and supports therapy.
He's not a mental health professional, he's a financial professional.
If someone's mental illness means they can't be trusted with a credit card, then that person should not have a credit card. Simple.
I love this guy, he didnt fight Caleb, didn't talk back or make ten billion excuses for each cost, just listened and tried to understand a situation he had been unable to talk about for a long time. It seemed like he truly wanted Caleb's help and I hope we get a follow-up episode with him eventually.
Same this was a really good episode
Did you even watch this episode?
@@Jajou_Dabadingdong yep, do you have another opinion or are you just antagonizing me?
@@NotVal501 the episode I watched was him talking back and challenging Caleb on most things, was kind of maddening I thought. I was confused about what episode you were watching. If a difference of opinion is antagonistic, then yes I was
So refreshing to get an episode where we dont have to listen to a 45 minute backstory and can just jump into the numbers without stories and stories of excuses.
We need more like these!
I like (most) of the different types… definitely not all of them
Preach!!!
Yes! For the first time in a long time I’m able to watch the full video 😂
So many useless stories from the guests recently
@@Sar-ahG I definitely like some of the weirder different wild ones but a few of the people lately have been absolutely insufferable
This episode really gets to the heart of debt. This guy’s situation isn’t outrageous, he had a pay cut and just didn’t adjust his lifestyle. We’re all so used to debt that 12% interest seems good. Working on debt takes a real mindset adjustment.
What really helped me understand that 12 percent is really really bad is messing around with an investment calculator. The difference between 5 and 12 is astronomical when it come to retirement. The difference between poverty and comfort in several scenarios.
@@maeg.9123what’s the calculator?
This is why I just pay off my card on every single paycheck. I don’t even know my interest rate, it’s probably 25%, but it’s 25% of $0
Is there an episode that explains the Hammer financial score?
lol my interest is 29%
Two minutes in and at least this guy seems normal and sane… so there’s that
Bro stop youre being weird and commenting on every females picture that comments here. Its gross @@Junevalentino
@@madsy_sailor LOOOOOOOOLLLLLL does he really?
You can't be sane and own that shirt
The insane people make for good content and are highly entertaining.
Yes. The crazies are fun once and a while, but not every guest.
Please update the title to "Caleb beats a man with a sandwich to save his life"
every time i watch this i immediately pay off my credit card and check my bank account lol
And credit score and retirement 😂
Lololol i do this too 😂
SAME
Same lmao
Thought I was the only one lol
As a teacher, your sandwich object lesson was on point. Sometimes it takes a literal, visual demonstration to help us see what we previously couldn’t. Was it slightly unhinged? Yes - but, it was sound ☑️
The best teachers are the slightly unhinged ones tbh. If you have been teaching for years and are not slightly unhinged, you are doing it wrong 😅
@@chickenlittle5095 22 years… you could say I am slightly unhinged 😜🤣
We're all unhinged! (Ten years here)
Is it bad that I want to use Caleb's videos in a consumer math class?
@@NickRuedig congrats on 10 years! I totally think you should use Caleb’s videos! As a cautionary tale if nothing else!
Caleb's viewers should be called the HammerHeads 🦈
I vote Aye! 🗳 HammerHeads 🦈🧠 Because Caleb teaches us how to properly use our heads to achieve a better financial future.
That sounds good!
I second this!
Get this on a shirt now 😂
How would you turn this into merch?
Thank god, an episode of Caleb yelling at someone who means well but is just financially illiterate and may actually learn something. This…. Is bliss.
I love that you said you'd refund him for the budgeting course. You're such a good person and truly care about others.
Better than graham for sure 🤣
Graham: I need to charge you two more times since you came on *MY* show... y'know cause millions of people would pay me to come on.
@@SpoonHurlerCaleb’s show is built on these people who couldn’t afford to pay for this level of advice so he’s selling it as entertainment
@@Playingwithproxies yep he needs to pay his staff and maintain himself so that he can help people who watch it. google is free its 2024, you dont need a professional advice when most of the people that are on this channel can clean up their debt if they just stop the bullshit spending. i would dare to day 90% of ppl that are on here would be out of debt if not for bs spending and stupid car loans. thats it. not rocket science.
Yeah Caleb is a real one for sure
I think Caleb finally cracked!!! A kitchen demonstration of Caleb making a sandwich was priceless. I bursted out laughing and accidentally interrupted my co-workers meeting that’s happening next to me. Whoops! 😂
Same I died hahaha
3 minutes in an no one said Retrograde! 🎉🎉🎉🎉
Ahaha yeah seems like mercury will not retrograde in this episode 😂
Shirt is retro but not graded 😂
I miss the Dr
Retrograde 😜
@@SpoonHurlerunless you graded his retro shirt 🤷🏾♂️
Did we stop with the debt calculator in the side of the screen? I really liked that to see how easily it stacks up after some time.
Yeah
I love how they’re producing more content weekly. It’s a lot of work, but thank you. It really makes me look forward to the week.
thank you so much ❤
OMG he responded! That’s so cool! Thanks!
Love your work, Caleb and his team, thank you! You guys help me get my finances together
It’s his job LMAOOOOO the literal bare minimum 😂😂
Best show in a long time! Finally not a crazy person or wanna be influencer. Nice to see a person who wants and NEEDS some good guidance. I have very high hopes for a mature turn around.
38:50 You know shit's crazy when Caleb decides to give a physical demonstration in the kitchen mid-episode
How are you 38 minutes into a video posted 8 mins ago?
@@nicojames813 time travel
I was expecting a flip flop to go flying
@@nicojames813 I just skipped to the chapters that seemed enticing to me
Caleb is really the best!!!
He can actually answer the questions straight without talking about something totally different for 15 minutes. This is rare on this show.
So much better than like the last 5ish videos… I can actually sit through this one without closing UA-cam.
You too?!
I didn’t even watch past 5 min in the other ones. I hope he does more with sane people.
caleb, respectfully release a sound-clip saying that "you are human being that deserves a good life" because it really is a good reminder.
Caleb, I’ve been watching you for a while now, less than a year probably. When I started watching I was not in a great financial place but after hearing your voice screaming in my head every time I buy something stupid I’ve turned myself in a better direction and will soon be debt free from all of my credit cards in February! Thank you for being in my head and keeping me on a good path! Haha
Very nice !!!! Glad to hear you’ve made heavy progress congrats!! Can’t wait to say the same😊
I'm very proud of you
Same. Finally have an emergency fund thanks to you! Doing the course now too which I know will help me stay on the right track. Appreciate you and your team ❤
I want to put my testimony here in regards to vaping. I vaped for two years and had quit smoking cigarettes. I want to thank Caleb for the episode that aired 3 wks ago with that young girl in her early twenties that had a lung disease due to vaping. I quit that day. Let me tell you, whomever is reading this, vaping is horrible for you. The oils that get in your lungs eventually suffocate you. Anytime you're sick with a cold you cannot and will not cough up all that build up. I feel so much better since I quit. I feel like I can breathe again. So thank you Caleb for that episode. It hit me hard and scared the crap out of me. Remember guys, it's a want, not a need. ❤much love and I hope this message helps someone.
EXACTLY! So happy for you. Stay strong and enjoy a fresh new start to life! (:
Thank goodness for the wake-up call. It is so important to keep those lungs functioning. Take care of ourself. 😊.
@@MagicalFishythank you. The fight against addiction is strong. But I'm stronger. So thank you❤
@@lindajohnson.Thank you
@@raerae7652 You’re very welcome. And true that! Have a blessed day! (:
The amount of work that went into this video after watching the office vlogs is astonishing. Good work y’all! Hope to possibly see y’all around Austin
Thank you!! We could not do it without your support :)
I just became debt free today! I feel an immense weight lifted off of my shoulders and I excited to finally have a fresh start in life. Thank you Caleb and co for what you do. (:
Congratulations!! Enjoy the fruits of your labor 🙏🏾
42:30 mad props to the budget charting, animation, and the floating heads. Its all coming together and looking more polished as you guys iterate.
Iterate? I don’t think that was the correct word you meant
@@M_SC thats the exact word I meant. They are iterating over the process of making these videos and creating the graphics and effects. Each iteration, they (hopefully) learn and get experience and improve upon the process.
...tell you don't know what iterate means without telling us...
@@DericAnslum ...tell us you've never once seen the phrase "Iterative Process" without telling us. Its a real phrase with entire chapters of books dedicated to it. Every video they put out on this channel is another step in the iterative process.
Iterate makes perfect sense here
Being scared to look at yourself and debt is a real thing. Too bad it took me til 33 to finally face myself and debt. 7 years later and now I only have a few thousand in student loans and fully funded emergency fund. Removing all that credit card debt has definitely been great for my mental health.
I can relate, it took me until this year at 35 to finally figure my finances out
@@LordMuzhy good luck on your journey. Better days are ahead of you.
me in college was too mclazy to cook but then I realized cooking could be a form of artistic expression and now (5 years later) i black out and food appears 10/10 would reccomend
ALSO GOOD FOR YOU CALEB, Weight is so complicated and making the changes you can towards better health is so awesome.
MAKE A MCDOUBLE IN YOUR MCHOUSE WITH MCGROUND BEEF FROM THE STORE
hitting him with the sandwich is good comedy 😂
41:20 - the dead eyes is also funny af
My problem now is that the eating part isn't even really something I look forward to. I enjoy the process so much that I almost ignore the results lmao. My friends and family are well fed 😅
What in the name of Christ
@@TherapyGeleating food for function rather than taste has helped me eat more/better
I lived off ramen, mac and cheese, spaghetti, and the Wendy's dollar menu (sometimes) in college. I'm still here to tell the tale! haha
I hear that. Cooking and baking is like a form of meditation to me now.
Such a refreshing episode!
Tip for saving/budgeting for groceries: grocery pick up if it’s available to you. You can watch it total up as you add to the cart and make adjustments and you don’t impulse buy things at the store.
Excellent suggestion! Cuts waaaaaay back on impulse purchases.
Also helps to keep an eye on the prices. More stores are starting to have higher prices than their shelf prices (I.e Walmart and Target). I’ve had to have price adjustments made at the register. It’s not much sometimes (ten cents here and there) but it all adds up, and never in the favor of the consumer…
IT'S CALLED A SANDWICH! A SAAAAAAAAANDWICH!!!
nom nom
IT’S A THING!!
@@CalebHammerI think you should make wallets...just throwing it out there but a wallet that's slim of course and has taquitos or your face on it would fly off the shelf
Completely agree! I started packing sandwiches to college for lunch and you won't believe how much less stretched my budget is now, compared to when I was buying lunch every day.
@@madsy_sailorlove this idea!!
I like how Caleb got angry with him and even showed him the sandwhich thing. this means he cares and knows he can improve and he's not too far gone
CALEB YOU BROUGHT HIM TO THE KITCHEN??? I was cackling at that part
32:23 this conversation was one of the more productive ones based on the guest’s question right there clarifying the info. He’s not delusional, just needs to focus and buckle down! There’s hope for this guy. Finally sounds like it’ll be worth Caleb’s time!
Your fiddle leaf fig in the back needs some more sun. You can get it a UV bulb that you can put in a lamp to get it some rays. Also water once a week in summer and once every two weeks in winter. Good luck
Watering tip is too general without knowing specific humidity of the room.
@@begzodismailov6297watering tip is not too general, this is actually great. 90% of watering tips are “water when it’s dry an inch under the soil” not helpful… people need tangible answers
I've been watching that flf for months now and I'm convinced it's fake because it never changes. 😂
the plants aren't fake?
Pretty sure he mentioned some if not all his plants are fake in a previous episode
"Did I hit the 4.5?" followed by 5 solid seconds of Caleb fighting Dark Caleb for control of his reaction was priceless.
dark Caleb lol
Early crowd time!!! 🎉 also CALEB! I paid off ALL my credit cards - I have some personal loans but I have successfully paid off all my super high interest credit cards! Huge relief! Thank you for helping me feel like all the bullshit adds up!
THATS AMAZING
Congrats! These videos help keep me going and paying down my debt. Already making good progress this year!
Huge props for Mike admitting this was a tough chat to get through! Finances can be inextricably tied to our emotions and put us into bad spots, but the important thing is putting ego aside to see the situation clearly. This was a great episode!! I'd love to see you talk about how to navigate purchasing your first piece of real estate. It was briefly mentioned at the end there and I think it would be a super interesting topic to explore when someone is maybe a bit more financially stable.
A relaxing episode with someone that is not insane. Rooting for him!
Awh I like this guy. I hope he gets ahead of his current problems. He seems like he is genuinely trying to help his situation instead of get screen time.
Solid episode. It’s nice to see someone logical when though he messed up a lot and admitted to misunderstandings. Props to him
Love the kitchen demonstration 😂 glad this guy seems way more sane than the last few guests 😂
Fun fact about Caleb; he likes fun facts 😊
This is true
Fun Fact/ True Facts: we all love caleb & Financial Audit ❤
Big fan caleb. Also. You should make a video of you grocery shopping for a week for 1 and showing how to shop and what food you make with those groceries. 🎉
Thankyou for everything you and your team do Caleb. Because of u guys, i got the motivation to get my finances in order last year, and today im in a much better place.
One thing I wanted to note about the sponsor, Gerber Life don’t buy anything with them. When me and my four cousins were born, my grandma took out insurance policies for all of us. However, when two of my cousins passed when they were young, they didn’t pay out either time. They are snakes
Sounds like a run of the mill insurance company tbh. They ALL are snakes and will try anything not to pay out.
Little more nuance than that for insurance. I’m sorry you guys didn’t get the cover you thought you were and that you lost family young!
When you open insurance you need to understand what you’re covered for and all the exceptions. Most life insurance from the last 40yrs doesn’t include kids to be claimed on, you could take a policy out for a 2yo but the child needed to be over 18 and passed the waiting period before they die in order to be claimed on. Life insurance can be incredibly helpful but you have to read all the fine print. Insurance is a gamble, you do not know how or when you will die. You’re paying for a service, *if* something happened to you within the specific parameters of your policy you will be paid out, if not, no pay. It’s a *what if* service and if you’re not in a position to handle that risk, invest, use a high internet savings etc. there’s other options. Again apologies for you loss, I hope this doesn’t come across as blaming your family. I work in insurance and it’s devastating seeing people contact us having no clue what they have been paying for.
Given that Nestle owns Gerber, it's really not that surprising.
Why would anyone need life insurance for a child?
It’s a good company I am an agent and I have written policies plenty of times and got my commission taken back and they did not pay death benefit it was always because they did not disclose something in health. They have a right to contest within 2 years
I know Caleb still got worked up in this one. But it was still a breath of fresh air compared to the last SEVERAL episodes (although I think Noah is much better in person that in audit based on the vlog)
I have orientation for my second job this weekend and an interview for a better second (or third) job next week! My debts will soon be gone and my retirement booming.
Y’all are the only people I feel comfortable telling this to.
You go girl!! Be proud of what you are doing to plan for your future!!!🎉
An actual, normal financial audit. I don't actually believe it, it's feels like it's been forever since the last one.
Lmao
Found Caleb in early November 2023 and instantly started budgeting based on all his rules. Budgeting isn’t easy and is a lot of sacrifice, but thanks to Caleb’s advice, I see where every dollar goes and have stopped over spending because I don’t want to go over a category in the budget. February budget has me very motivated to keep up the momentum of staying on track because it’s very easy to fall off!
36:37 I need this “IT’S A WANT” rant to auto play every time I open deliveroo
With calebs voice 😂
@@ashleymatt6928 I would buy this if it was like the staples easy button but that would be a want lol
lol I lost it the moment he got up.
In the late 90s early 00s you could get desktop themes that would play certain sounds every time you did this or that
Shout out to GA! Also loved this episode and was so nice to see a normal Hammer Financial video!
Love the Financial Audit, as always!
If you start inviting guests in “good” financial situations, I would be interested in seeing their finances for the past 1-2 years to see how they navigate some of the unexpected expenses. It would also be interesting to see how different tax brackets are able to live in low to high cost of living areas.
More episodes like this please, I’m learning so much from a guy who’s just a normal person without an obscure degree 😭
I thought Caleb's shirt matched the pie chart on his desk! It's definitely a light bulb moment to make pie chart shirts for your merch! Great episode, keep up the good work Hammer Team!
Never knew i wanted a Caleb Hammer Cooking class. But seeing that man make that sandwich, now i crave the cooking show.
The 300$ coocking show !
M-W-F @ 11am will forever be known now as HAMMER TIME!!!
Caleb, your dedication to incredible content is remarkable! Thank you so much!!
Bring back the counter of how much debt they have accrued as you go over the statements. Makes it easier not to get a bit lost!!
Hammer time!
Hammer time is when Caleb hits the table with his fists
You’re cute.
@@Junevalentinogross
@@madsy_sailor why gross? I’m being nice, don’t be a b*tch.
@@madsy_sailor Don’t be jealous.
The getting up and making the sandwich was awesome. 😂😂😂😂
Yay! An actual audit of a seemingly normal person!
43:55 Such a relief that he can just say his expenses! ❤
Thank u for showing us a financial episode instead of a mental health breakdown/ entrepreneur shoutout
Caleb, we realise how much work you and your team put into all of this and we highly appreciate it. You’re helping a tremendous amount of people, regardless of which ‘type’ of guest is on the show, so thanks for keeping us accountable and showing us what irresponsible spending can lead to if we don’t do something about it ☺️
Edit: just wanted to say i really get a good vibe from this guy. Seems he just wants help, and is ready to make changes.
Thank YOU for your support!!
Loved the episode and the guest was definitely more reasonable than some lately but WOW did he have some dense moments!
"Wouldn't that effect my overall credit history?"
Not as much as having $20,000 of DEBT.
People, please learn from this. If you can't afford to pay off a card immediately don't use it. You never know what's going to happen a few months down the road. Having that much debt with no way to pay it off is terrifying.
A rule I gave myself after learning my parents lived paycheck to paycheck/poverty growing up was if you can’t immediately buy it twice with cash you can’t afford it to buy it once much less on credit. Of course I m not perfect but I do like this rule.
@@ElinWinbladThat doesn't quite work in regards to property/vehicles or micro purchases.
With that said it isn't a bad mindset.
There's so many people who see a credit limit and think they're free to use all of it. I can't remember who it was but he had someone recently who didn't seem to care about the balances at all and was more than willing to let them all go to collections.
Having one thing in collections even if it's small can royally screw you over and people don't even care.
@@BrandonWestfall that is true I wasn’t able to fully implement it until I got out of poverty, but it still kept me from buying things while I was in poverty
64,000 views in 5 hours. You’re on fire my friend. Great content!
Just paid off my highest card today and am on the way to debt free by April. Thanks for everything you do Caleb.
This is a great episode, great understanding between them both and well spoken!
38 min mark. “Grab a camera, let’s do a little trip”. lol!! Best sandwich ever!!!
Like if you haven’t bought taquiots this week
Not a single one!
Not this week or last!
@@valo4007 that’s what I like the hear! Stay strong my friends. Financial freedom is just around the corner!
I live in Austin, where are these infamous taquitos? 😂😂
"41 year old refuses to get a job and grow up" is the video that taquitos is a reference from. He bought a lot of gas station taquitos and so now caleb uses that to refer to things bought at a gas station that are not gas
The fact that this guy thinks fast food is a necessity and not a luxury is driving me insane
When you're on your way somewhere on empty, that $2 greaseball starts to look tempting
I don't think he thought it was a necessity but just not a luxury.
My mom placed eating out in the entertainment section of her budget when she and my dad first married! That was hard for him but thankfully they worked it out and have both been financially responsible and set me ip for the same.
Way to start the morning! Was going to go to store and get a monster but then i saw HAMMER TIME!!!!!!!!!!
40:02 you can quit smoking!!! I’m almost 2 years cigarette free and I’ve saved SO much TIME and money. Smokers don’t always realize how much time we spend taking a “smoke break” day after day when we could be doing other productive shit. Keep quitting until you don’t start again. You can do it!
As an actor and filmmaker, these videos with people in the arts are always nerve wracking and cringe inducing. Not because of the guests necessarily, but seeing the consistent struggle to survive in the arts. Having said that, these episode I can relate to the most, and they make me reevaluate my spending habits and retirement goals/planning.
This is the yin to the main channel’s yang. It’s nice to see. Also not having a blurred background is great. Your cohorts can probably manage not to pick their noses for 20 min
LOVE the new production style!
I feel like the last two episodes may have broken Caleb.
Can I just say that my favorite sentence is " I can't speak on that".
A lot of people who have success online tend to use their platform to spout their opinions on everything. They become so absorbed in their own hype and experts in their own minds that they don't even consider the harm they may be causing to anyone who may be struggling with these various issues and follow their word as gospel.
It shows humility to clearly acknowledge that you don't truly understand what they are dealing with. You show you care and are supportive and encourage them to keep trying but you always make it very clear that you are not in a place to guide them.
It is very admirable and I am sure I am not the only one who appreciates your transparency in these matters.
Thank you.
This episode reminds me of when I realized that small purchases added up. I know it’s obvious, but it didn’t hit me until it hit me.
I really hope this guy does well, he genuinely seemed open to the suggestions and didn’t wine and complain and give the woe is me to justify everything like most people. great episode to listen to!
"Gooood?! You think that's Goooooooood?!"
Gotta love the way Caleb says good when exasperated. Good video! Keep it up ❤
I feel this when I talk to my sister about financial decisions 😂
This is so nice to have a normal person on!!!!!! Good guy, no insanity going on!!!
Did I hit the 4.5? 😂😂😂 Caleb’s face.
39:18 wow, that sandwich making example was perfect. Cant believe it took this long to do something like that
Alpharetta is one of the most expensive suburbs in Atlanta. Surprising how he moved there and said he's saving on cost of living. It would be hard to live in that area on $46k
We built a house in Sugar Hill and I have no idea how he would survive on $46k. He should have looked in Milton, there's usually some older homes for rent off the beaten path.
I was about to say that. Alpharetta is not cheap at all.
From cumming to alpharetta?? Literally from expensive to expensive.
I was thinking the same thing. My husband works in Alpharetta but we cannot afford to live there even though he makes 6 figures.
I'm guessing it's because they aren't including he's sharing housing and expenses with his gf and roommate
Caleb giving a demo on how to make a sandwich was not on my financial audit bingo card
The editing on this channel keeps getting better props to the team 👏
"naughty little town name" my god, Caleb lmao
Glad to see someone that seemed really invested in their recovery. Took the sammich intervention, but seems promising
I don't care what the interest rate on my credit cards is. I refuse to pay a dime of interest on credit cards. They pay me to use it.
I don’t even know what the interest rates on my credit cards are. It’s irrelevant to me because I don’t get charged interest. I can however tell you what my cash back rewards % for each is!
Same, we usually get around $5k back a year. Everything goes on, everything gets paid off
@@cblue3581 You're spending approx. $250,000 a year? That's fucking wild.
Probably closer to $125k. 5% card for everything household, 3% for gas, food restaurants, 2% for everything else. We got married this year in Hawaii so probably slightly skewed but we make the money so why not make it work for us. @@Username0467
Yes when Caleb asked about interest rates I didn’t even know what mine were because I never have to worry about this! Always pay the full balance every month so it’s never an issue
that "why" editing at 9:23 had me rolling. I love it
this is so motivating -- I'm working so hard to get my budget as slim as possible
I can't stop laughing over Caleb slapping the guy with a sandwich.
As a recovering door dash user (and other food ordering apps) it seems like it saves so much time at first. But with how glitchy the apps get its so much easier, and typically faster, to make something easy and fulfilling.
I love you videos. Thank you for slapping these people in the face with reality.
Your show has made me come up with a plan because my finances have been wreckless. Keep this up!
Caleb! Please give us more insight on the $300 budget for groceries that you actually did. I think we'd all love to see a breakdown of what was purchased and use it as a reference for when we hit the stores.
It's included with his paid budgeting program.
What a refreshing episode, i see shades of myself in this guy. Really hope that he pulls it together and gets out of his financial hole!
Caleb, thank you for pushing Term Life instead of Whole Life insurance!
As a fellow Cummer, it was really neat seeing some of the same places I go… However, I’m debt free and follow the 50/30/20 rule.
I live in the exurbs of Atlanta (much like Alpharetta/Cumming, just in a different part) and $310 for gas is honestly not that bad for Atlanta. I only drive to work once or twice a month and it's still close to $80 a month for my gas because of how far everything is from everything else in the metro. If he's driving in to work every day from Alpharetta, that's what I'd expect. However, if he's going from Alpharetta into downtown/somewhere else inside of I-285 ("ITP", he'll know what it means), MARTA (the transit system) is actually really effective and costs about $2-3 per ride from North Springs Station if he parks at their free parking, and he can get it even cheaper by buying a 30 day pass or similar multi-day pass. The rough part is the traffic to get to the station (which, again, has a free parking deck), but if he has a park and ride near him, he can let the bus driver deal with that. I lived near Alpharetta for about a year and got to/from work daily on MARTA.
his reaction when you said grab the camera has me DYING 😂
The sandwich part is gold !!!