I allowed my team to ask ONE question to the person I've been on quite a few dates with. Todays post show is INSANE: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
So personally I have never owned a credit card, never needed one, but should I actually get one to start my credit. I'm decent at budgeting and absolutely hate owing money on anything so I always pay anything quickly. But everyone I talk to says to get one. I know that it goes against what is said often on this channel from what I have seen. Looking for advice on if there is any reason to get one and make small purchases on it or should I just stay where I am and keep savings for things?
@@RealCryo Nothing wrong with having or getting a credit card. You sound like you would be the type that pay off your balance in full every month. You aren't charged interest if you pay the full statement balance before the due dates. By doing that you can benefit from the rewards and cash back // points offered by said company. Building a credit history will help you whenever you need a loan for a mortgage or car. Those are huge purchases you may not have the cash for outright so a credit history is important. Just remember, pay your FULL statement balance and you'll be good!
@@RealCryo Caleb isnt against credit cards, hes against not paying them off every month. If you know you will pay it off it can be a nice fund for random fun purchases up to and including rhe occasional vacation. If you miss even one payment or leave a balance even one time it CAN cost more that its worth. It is entirely dependent on you personal ability to look at credit as debt and not "extra money"
You can have a sweet treat. Just put it in your food budget (calories and money) and make it yourself. Don’t have to be all or nothing. And don’t make it your whole diet.
“At least I’ll die happy?” Don’t count on your bad habits to result in early death! My dad said he’d rather eat trash food and die young and happy, but instead he’s had almost thirty years of pain, poor health, and debt.
I dont know why people always assume they'll just instantly drop dead from their bad habits. Take diabetes for example. You spend your final years or decade or two of your life slowly losing your extremities to necrosis. First its a toe or two, then its your foot, then its anything below the knee. Thats a very long time to spend in pain and miserable
The die happy philosophy is so funny. Do people think they’ll be dying happy at a young age, desperately clinging to life, because they ate that cheeseburger 25 years ago. Go for a walk, see the world, meet people, treat your body well, and then die happy.
You can have both! It's very possible to have an early and still painful death. Diabetes, stroke, heart disease and other conditions can make your rest of the life a living hell.
As soon as u get a job starting investing for your retirement! Live below your means! We bought homes and vehicles and we always were on low side. Current car payment average in USA is over 800 dollars a month. I’ve never a payment over 300 bucks! You will have an incredible life! We did this and soon will be retiring in a few years. We can travel, shop and buying a RV so we take our dogs when we travel in USA/ Canada.
Thanks to Caleb and how he ridicule these irresponsible people, I have stopped eating out, went down from $1000 in food to $200, no credit card debt, 3 months saving and paying off my car this year ❤
As someone that works in safety, it's fantastic that she has a passion for safety but the way she was so casual about the drinking and driving is wildly concerning lol
I find it amazing that everyone on this show who is drowning in debt knows that “closing your credit accounts lowers your credit score” but somehow missed the lesson about paying off your cards! 🤯🤯🤯
Did she really say that her and her motorcycle friends go to breweries and drink but it doesn't affect her because she's not driving? If you're riding a motorcycle with a driver thats been drinking, it definitely affects you.
She's riding on a drunk driven motorcycle. That's worse. Putting your own life on to another drunk person and say it doesn't matter cause I am not driving
I thought the exact same thing. Then, she tried to cover and say that they all go there and drink ONE drink and then just sit there and hang out. Sure, Jan! One drink, my ass!
I couldn't imagine having someone her size on the back of my bike in the first place and it not affecting my ability to ride let alone if I add alcohol to the mix.
Hold up do I have this straight?? She went from a 3 hour daily commute to a 40 minute daily commute, and her rent increased by only like $150 bucks. Then she moved back to Dallas because Arlington was too expensive???? SURELY the cost of gas and car maintenance would more than make up for that discrepancy
I honestly think that her commute was preventing her from eating more, and now that her commute is so short she has time to get home and decide to stop and get something to eat (hence cost of living “going up”). Obviously there’s more than that, but being stuck in traffic for 3hrs just means 2.3hrs that she didn’t have she has back to make bad choices.
Just FYI for you all, when people eat, drink, smoke to excess and then say "at least I'll die happy," they are horribly wrong. There are worse things than death, and these habits make you more likely to experience them. Vascular disease, diabetes, strokes, heart attacks, organ failure, cancer, emphysema, joint issues, early onset arthritis, all can afflict your for decades. Having a stroke at 65 and being completely debilitated for the next 15 years isnt "dying happy."
Yes! Also I really believe that inflammation in your body affects how you feel and your mental health. Your brain and your body are connected 100% of the time.
I used to say things like that. Im 26 and quit smoking last year when my wife and I decided to have a child. My dad died at 65 after smoki g his whole life. Had cancer but essentially suffocated to death in his sleep and his quality of life for the last 10 years was aweful. I had to say goodbye to him while he laid braindead in the hospital bed. Its not worth it.
Ummmmm as a yeahhhhh I am NOT happy when I gain weight. It severely irritates me non stop sensorily. I’m so jealous of these happy fat people with zero sensory issues??? Their skin doesn’t bother them??
Yeah, having to be catered by everyone around me, covered in sores and in pain constantly and unable to even breathe at night without assistance isn't my idea of "dying happy."
I'm struck by the sadness in this person's eyes. It strikes me that her spending is connected to the desire to comfort herself from some sort of essential sadness.
I'm hanging on to my one-bedroom as long as I can before I need an extra room for my young child bc the rent is just a touch over 600 and ALL utilities are included in that. Where tf am I gonna find that?! I don't want to let it go...
As a retired hospital dietitian I can tell you that eating poorly is not a guarantee to die young and happy. Try living twenty, thirty or more years with diabetes and heart disease. Try living on social security when 80% of your income goes to meds and medical expenses.
More people need to hear this. I'm sick of smokers, alcoholics, and fast food eaters saying, "We all die anyway." K. I don't want to spend my time before dying being sick and miserable.
@@BaconMaken With medical science today and all the drugs, people can live a very long time with serious, chronic illness, but they can't live the way they would like to live. One of the best ways to prepare financially is to stay healthy. My husband and I are in our 70's, married for 50 years and still active, only taking one medicine each. Stuff still happens, I had cancer. But you don't need to add on a bunch of preventable stuff.
As much as I’d love to be on financial audit to speak about debt and personal management , the risk of a jacked up thumbnail of myself poses more of an embarrassment than any of my finances
Apparently the guests approve it… but they are paid so maybe they don’t mind as much with money in their face. But you would still be “Irresponsible Person has NUCLEAR Finances and hits on me” with a Taliban plane flying behind you
I highly doubt she is making a detailed dollar-in-dollar-out budget every month and then just ignoring it. She likely doesn’t write it down and certainly doesn’t follow it.
I budget this way. My monthlies are constantly changing, setting any limits doesn't make any sense. My goal is always just to spend as little as possible, So setting arbitrary limits doesn't really work
@@frankvonfrauner right, I'm not one to get very detailed. I just calculate my needs every month then decide how to invest, save, and spend with the rest.
I can't believe she's only 23. If she keeps up her eating habits and tells everyone that there's nothing wrong with those habits, she's going to have massive medical issues by the time she's 30.
@@1983BoyBenny going bald that early as a women can also be a sign of PCOS. high amounts of women with PCOS are also insulin resistant. it's kind of a chicken/egg situation whether the bad diet causes PCOS or if it makes it easier to be less healthy WITH a bad diet than people without it. but it absolutely does make it worse. i hope she has an obgyn who cares about her.
Food addiction, shop a holic, spendthrift. Her issues run deeper than just mishandling money. She's attempting to fill a void with food and stuff/things. My bet is Shes used to being depressed , its normal to her so she doesnt realize that she is actually depressed and unhappy. Bless her, I hope she realizes her issues are issues and seeks healthy assistance in resolving them. Then everything else will become easier or more simplified at least. Shes so young to be self destructing.
Trucking guy here! Safety jobs can be well into six figures. If done properly, safety can not only keep us all safe but protect a company from hundreds of thousands in cargo claims! Critical position in mid to large sized carriers. Also, driver manager is a great, lucrative position as well. Typically start at $60k and can make $85-$90k if you’re willing to grind. Stick with it!
Absolutely! In fact, I was getting a little annoyed with Caleb in the beginning because he kept interrupting her as she's trying to explain. Plus he's deriding the job as unnecessary because "Isn't that something they can do themselves? " Just please let the guests explain their jobs! Let them get comfortable with some easy questions about their day-to-day lives and then you can go in with your interrogation regarding finances.
Glad to see the "what do you want credit for?" question being talked through thoroughly and explained as dumbed down as possible. Saw a comment about it on a recent video and I agreed. The guests didn't seem to fully understand the question the way it was phase previously :D Great Video
I can not take credit (pun intended) for it, but I did ask a few videos ago that exact thing. Personally from not knowing this concept from my side of the world. But it sounded like the guests did not understand the question, and then screaming will not help
The way he explained it this time was so much better than any recent episode. The “not taking advantage of it, it’s taking advantage of you” sound bite is fine AFTER he actually explains it to the guest and viewers.
She owes $15k on credit cards. An addiction to spending that much money on wants over needs is akin to how a drug dealer is looking for their next fix over getting clean
I think at that point she was kind of tired of being yelled at and was being difficult on purpose because I refuse to believe someone could be that daft
@@truthhurts3371 invest in learning how to cook. Shit I started making home made bagels twice a month and theyre better than any I have bought. Then you can splurge on quality ingredients if you really feel the need to eat something delicious as a reward.
I really like your new thumbnails. The reactions still illicit curiosity and interest, but they're not as goofy and a bit offputting as the past thumbnails. This one is sleek but evocative; I love it! The lighting here is better than the one where the lighting is directly on top of your head cause it made it look more sinister
Honestly, when it comes to fitness and budgeting it isn't all that different. Both are about consistency. I think with with fitness you can work on small goals first at least when it comes to trying to lose weight and build up over time. The finances can be easier or trickier depending on income and mandatory expenses.
I lost weight on my frugality diet. Sucked though. Only possible because I had no access to any help or any credit or i would have caved. Afterwards I kept it up for a few years. But eventually the treats creeped back
People need to understand that there are lots of contributing factors to what makes a person self-soothe with food. There are medical, emotional, and nurtured-in habits that make it hard to not eat. Budgeting your money and your calories is a heavy load if you're not ready. Gotta have a "why" to have discipline. If you're a naturally thin, active person, that's great. That just means you have other battles. Give people some grace for trying to figure out their stuff.
As much as health insurance costs, it's a financial investment to try and eat smart and get a lunch walk in, especially with a desk job. Helps the financial, physical, and mental health.
Yeah! That was the part where it was obvious this whole discussion made no impact on her. She's going to get her frogs, eat her sweet treats and go to conventions instead of making any positive change.
She should look into Risk Management. It's kind of a catch all Safety career: - emergency planning; - safe workplace practices; - HR policies; - managing insurance programs; Plus a lot more duties depending on the risk managers position and industry. And it pays well!
Yes she clearly hasn’t actually looked into the field. I’m a safety consultant with an education and make a great salary but don’t just watch cameras like she kept talking about 🤦🏼♀️
The people that say at least I’ll die happy really have never been not fat. I’ve lost the weight and become way more healthy and I just feel better I could never go back to being obese
Same, especially after ending up in the hospital the day after my birthday 2yrs ago. Don't know exactly what happened. All I know, is I went to sleep, and I woke up 3-4 days later in the hospital. Ended up being extremely high blood sugar. "I'm happy" after eating whatever/whenever, turned into the complete opposite REAL quick. It makes you feel like you ultimately let everyone around you down, embarrassed because you're in a hospital bed and can't even get up to go to the restroom, having someone else wipe you, etc. I have a "cheat" meal once a week, but it's almost instant regret. I really never want to get fat/unhealthy like that again
@@JasonGroom I think there's a disconnect that "credit" is the core of it all. We "use" credit, we accumulate access to it via the score, our debt is "credit", etc. I know I never thought of the overlap in the terms because I see "credit" as a positive and debt (as in "I owe x") as a negative so I didn't think of the fact both the room and the usage of the room and the ability to get the room all boils down to credit.
Maybe the way to ask it better is something like this: “Your debt has already destroyed your credit score. You basically have no credit anyway. How is that supposed to help you any time soon?”
I thought he phrased it pretty well. He gave examples of what credit people can take advantage of. When he gave options she could use credit for she realized oh none, I don't have any plans for those at the moment.
I’m not even three minutes in and it never ceases to amaze me that not a single person can say how many hours they work a week when they are asked without 1) getting it wrong the first time or 2) giving some random ass story
Yes lol for most people that have set hours, like how do you not know? Especially getting a paycheck tells you! I've been working per diem for 2 years so I truly don't have an accurate average, range from 26 per paycheck to 40 😅
I’m pretty successful just figuring it out. But I also have ADHD and fail about 6 times and then succeed in the space of time it takes most people to try once.
Girl, I feel you, I used to be in the same place as you, with little treats (both in terms of food, as well as other pretty objects) making me happy. I can't highlight enough how beneficial therapy was for me. Without it I wouldn't have been able to cut down my overspending, because it allowed me to seek happiness in other activities.
Love the rephrasing of the "what are we taking advantage of credit for today"! Excellent way to re-ask and explain whyyyy we're asking and whyyyy we shouldn't care about our credit score right this moment. We have bigger problems than a low credit score right now
@@FRESCO_KUN 2 packs of apple cinnamon quacker oatmeal , one sandwich for lunch and one for dinner on off days , on my lifting days I do 3 eggs , the oat meal, a protien shake 2 sandwiches for lunch and I usually skip dinner because it gets late and I do a hard 9:30 sleep time
What I don’t understand is how these young people get credit cards with so high of a line of credit. While I make almost 90k and my capital one card is only 3600 they won’t even let me get into debt.
Debt counter in corner is perfect touch caleb! Nice! would like to see it hang out a bit longer or even stick around during the whole show to really drive the point home to the audience.
So as a truck driver myself, her describing a job in the safety department is why I dislike the safety department. Making up work to justify their employment and then just watching drivers actually working in order to harass them
I've seen a company lose a 3 million dollar contract because they ignored a ton of regulations and received a stop work order before they could meet their product delivery deadline. It sucks if your company has a EHS person riding you but wont give you the time to work compliantly and won't spend on maintenence, but severe safety violations can result in fines or stop work orders that financially impact everyone at the company.
I specifically came to the comment section to say that I am appalled that she (with no business or practical sense) is in safety. I haaaaate safety people like this.
Yay, Thank you Caleb for asking the question 'what credit are you trying to take advantage of?' in a different way! It's so refreshing to see the concept explained to this guest so that she actually understands. Please keep doing this
I have to say I am a fan of the new thumbnails. I understand the brain-rot crazy colors and imagery are supposed to catch attention. But these are much classier and the quality reflects the production value of the actual show. Also I can relate to and was very inspired by what you said about your struggles with eating habits, Caleb. I went from having an active job to working from home and have gained 20-30 pounds the past 2 years. With the weight of my unhealthy lifestyle making life more and more of a struggle (pun intended, physically and mentally), I am being forced to face my lack of discipline and poor relationship with food. It's that or become a black hole, as you joked. It's so much easier said than done, but you're not alone in this struggle. You can do it 💪💪💪
I wonder if people understand what a credit card really is. Like, it isn’t YOUR money, you are borrowing money from a company that charges you extra money if you don’t pay it back right away.
Oh they're driving motorcycles? When she mentioned "bikes" my innocent European brain genuinely thought of cycling and even doing that under influence is dangerous, but driving a motorcycle under influence is something else 😭
Hey Caleb, Your channel was a wake up call and helped me figure out where to cut costs and everything and I cut my debt from 14k and down to 4k over the last year. Thank you!
Just a heads up, speaking from my small pool of experience, the OSHA 10 certification is pretty much the bare minimum standard OSHA certification, everyone in the construction field has it (I’m an architect and I have it) and it doesn’t really set you apart from everyone else, OSHA 30 would really be something that would set an individual apart from others
I got myself out of that habit in a counterintuitive way. I used to be a “treat yo self” gal after a rough day at work, like a candy bar or Starbies. Then I noticed how it was adding up in $ and calories. So I changed to buying a $1 lotto on those days. Or as I think of it, a ticket to the daydream of what I would do with the money if I won. Except walking to the store to get the lotto was further than getting Starbies or candy from the vending machine so I maybe spend $3 or less a month on the lottery, which is less than 1 Starbies drink.
Consumerism at it's finest. I recently almost bought some sunnies with a 40% off coupon, and had to stop myself cause I dont need them. And in our fast paced world, the spark of that "ooo I want a drink" usually isn't snuffed out. I even have trouble cause I wanna snag a flavored tea but remember my water is fine enough
I think she was talking about getting rid of the subscription car wash. Which also, wtf. Wash your car when it’s dirty. Doing normal (non-wet Texas) driving, like, 1x a month?? If she was driving Uber for her work or something then at least it would make sense, otherwise it’s just wasting water.
Thank you for bringing the debt counter back!!!!! And the sound effect!!!! I typically have these playing while I work and the sound effect is my cue to check what the total debt is.
They weren't complaining about the sponsors, but about the volume. I've noticed that too, and it's really jarring when the volume cranks up like that, especially if I'm not looking at the screen. I'm fine with sponsors, get that bag, just keep it the same volume! The post show is loud too.
She seems smart and like she was growing in understanding as the episode went on. It was enlightening and she was receptive to it. Treat culture is rampant, and easy to succumb to when you are young and don't make much money. I think this experience will be a turning point in her life, and she deserves to be happy and financially secure
I’m right there with you and I know it’s job related( nurse). It also doesn’t help that my husband was diagnosed with severe glaucoma. He hasn’t worked in 6 yrs so the burden is all on me along with his multiple eye surgeries.
Hope you're doing well! Citrus fruits are known to be mood boosters, helping with stress, anxiety and tension. It also curbs cravings You should try adding to your diet.
Same here. In addition to fighting it, once the pattern is known, it's worth considering phasing the stress out of your life. Grad school is temporary, but watch what career you get into.
I'm in the same boat! I lost extra weight 2 years ago and was the lowest weight in my adult years, but between work stress and getting into a new relationship I gained about 30 lbs in a year and was unexpectedly diagnosed with a chronic condition and the weight gain could have attributed to it. Practicing self control to eat more wholesome can be hard, but I take daily walks now which is good for my body and my mind!
Why? Not everyone has dumb friends. I have 2 friends my age who can’t afford to move out/live alone. One friend made more than I did and lived at home and still couldn’t afford things. That didn’t rub off on me?
I'm not sure that cutting up her credit cards will help her. She has to change her behavior;. She's still go to a brewery with her friends. Then what? Bum a drink off her friends? Borrow money from them? Maybe she needs to carry a SMALL allotted amount of cash to limit impulse spending.
The convention question almost destroyed me. “I guess I’ll just have my friends go eat without me” and “Too bad I can’t get a refund.” Holy shit, if your friends don’t understand making sacrifices for financial stability, the are 1) shitty and 2) ENABLING YOUR BEHAVIOR.
@@amn1088this comment is so true. The older I get the more I realize the people I considered friends just want to take advantage of you and/or use you as a benchmark to tell themselves how awesome they are
"Are you done with the instant gratification, because you are willing to make tomorrow better than it is today?" -Caleb Hammer I like that you said that. I like collecting motivational quotes. I had to stop what I was doing to write it down. ☺️
@coryjohnson2486 nah man I live on a border city, it's barely cheaper for some items and the same or more for plenty of stuff. Just went to Florida and after currency conversion, it was like 35-40% MORE in Florida than I pay in Ontario
Great episode! My spending was so similar to hers just a few months ago, excluding the credit card debt. Finally realised that the "sweet treats" I kept getting (plants, thrift store finds, driving to work instead of public transport etc) was TERRIBLE for my future finances, as I wasn't saving or investing any of it. Trying to break the habit of "just a little treat" is so incredibly hard, but I've started listing ALL of my expenses and going through them weekly, just to make my own accountability more visible to myself. This show has definitely been a great help. Thank you!
Caleb, speaking as a person who has struggled with weight all my life (I'm 63 now), I very much appreciate the sensitive way you approached that. It was especially effective in using your own story to relate. That was not fat shaming at all. Also, I am noticing her hair thinning in the front. She may be dealing with PCOS which makes it difficult to lose weight.
He didn’t shame her, she shouldn’t be doing it from a financial standpoint and it definitely serves to motivate her further from that bad spending considering it’s detrimental to her health. He doesn’t mention that for thin people because thin people aren’t suffering from weight problems. She mentions herself she has back pain and I’m sure her weight contributes to that in some capacity if not entirely.
@@melynn44brain-dead take. For starters he definitely gets pissed at skinny ppl for over spending on BS food. He was actually extra nice with this lady, and she's by far the biggest person he's had on the show.
It is by design. Fiat incentivizes to spend and not save. It's the reason for inflation, even though the fed couldn't tell you why it's necessary. Bitcoin fixes this.
I felt bad for her. She seems like a sweet but very naive young girl that just needs to learn. Unfortunately if parents treat their kids too much growing up they think it’s normal and continue to treat themselves as adults. It takes a while to realize how to adult.
I'm always so impressed by your empathy and kindness. I think it helps the WHAT ARE YOU DOING sink in a bit better. You're such a good dude, I appreciate you. And shoutout to our girl having the courage to get ripped apart for the entertainment of others. But also... I'm pretty decent with finances, but I learn so much and it prompts me to look more closely and think about how I spend and budget.
So happy to see the if you make the minimum payment this is how hard you’re gonna get screwed section. An extra $70 saves all them years and interest. When you make a payment, pay the interest and the payment.
Caleb, you may think about getting a set of medical shears to cut metal credit cards. They are pretty inexpensive and can pretty easily cut a penny in half.
I allowed my team to ask ONE question to the person I've been on quite a few dates with. Todays post show is INSANE: ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
😊😊
I really want to see some of these after shows but they are not in the budget
So personally I have never owned a credit card, never needed one, but should I actually get one to start my credit. I'm decent at budgeting and absolutely hate owing money on anything so I always pay anything quickly. But everyone I talk to says to get one. I know that it goes against what is said often on this channel from what I have seen. Looking for advice on if there is any reason to get one and make small purchases on it or should I just stay where I am and keep savings for things?
@@RealCryo Nothing wrong with having or getting a credit card. You sound like you would be the type that pay off your balance in full every month. You aren't charged interest if you pay the full statement balance before the due dates. By doing that you can benefit from the rewards and cash back // points offered by said company. Building a credit history will help you whenever you need a loan for a mortgage or car. Those are huge purchases you may not have the cash for outright so a credit history is important. Just remember, pay your FULL statement balance and you'll be good!
@@RealCryo Caleb isnt against credit cards, hes against not paying them off every month.
If you know you will pay it off it can be a nice fund for random fun purchases up to and including rhe occasional vacation.
If you miss even one payment or leave a balance even one time it CAN cost more that its worth.
It is entirely dependent on you personal ability to look at credit as debt and not "extra money"
Financial audit is my sweet treat
nom nom nom
Same
Same. Ever since I've joined, I've gained over 300lbs in financial audit weight.
@@inhoseo😂😂😂😂
Frrrr
PSA to everyone. You don't need that sweet treat. You're not hungry, you're just bored.
You can have a sweet treat. Just put it in your food budget (calories and money) and make it yourself. Don’t have to be all or nothing. And don’t make it your whole diet.
**backs slowly out of the kitchen**
How about a savory treat?
...i feel personally attacked 😂
Or thirsty! Drink some water! Stay hydrated y’all!
“At least I’ll die happy?” Don’t count on your bad habits to result in early death! My dad said he’d rather eat trash food and die young and happy, but instead he’s had almost thirty years of pain, poor health, and debt.
Exactly, you wont die happy. You'll suffer until your body gives up, and you're body doesnt give up easy... How happy 😊
I dont know why people always assume they'll just instantly drop dead from their bad habits. Take diabetes for example. You spend your final years or decade or two of your life slowly losing your extremities to necrosis. First its a toe or two, then its your foot, then its anything below the knee. Thats a very long time to spend in pain and miserable
Right and my kids watching me 😢😢😢
The die happy philosophy is so funny.
Do people think they’ll be dying happy at a young age, desperately clinging to life, because they ate that cheeseburger 25 years ago.
Go for a walk, see the world, meet people, treat your body well, and then die happy.
You can have both! It's very possible to have an early and still painful death. Diabetes, stroke, heart disease and other conditions can make your rest of the life a living hell.
i’m 15 with no financial stress but i still hang onto every piece of advice this guy gives
You are on a great start!! I wish I knew all of this at 15!! Best of luck!!
Take all of it. Be smart. Save money and make smart choices!
Goood!!!
As soon as u get a job starting investing for your retirement! Live below your means! We bought homes and vehicles and we always were on low side. Current car payment average in USA is over 800 dollars a month. I’ve never a payment over 300 bucks! You will have an incredible life! We did this and soon will be retiring in a few years. We can travel, shop and buying a RV so we take our dogs when we travel in USA/ Canada.
keep it up dear and stay disciplined, you will go far ahead than the rest of us😊
Not that she'd ever agree, but I'm sure Amberlynn Reid would be a WILD Financial Audit
The collab we need!
@@michealab5299 how much spent on cheesecake factory...
I don't think the chairs in the studio could support that
$2k per month on clothes and jewelry, $5k on fast food
My two worlds colliding
Caleb is like a Gremlin..
Don't get him wet & no taquitos after midnight 🤣
So cute!!!
😂
Also wouldn’t cut cards up in front of him, might get weird
Bahaha best comment!
Gizmo!
Thanks to Caleb and how he ridicule these irresponsible people, I have stopped eating out, went down from $1000 in food to $200, no credit card debt, 3 months saving and paying off my car this year ❤
HECK YEAH!!! 🎉🎉🎉🎉🎉
Please let us know how you’re budgeting $200 a month for food 😅
@@starguzy4392 self checkout heheheh
@@starguzy4392 maybe groceries rather than eating out? When I was single, I ate on a $100/month grocery budget (adjusted for inflation) 🤷♀️
Yes and work on investing!! Make that money work for you 😊😊
As someone that works in safety, it's fantastic that she has a passion for safety but the way she was so casual about the drinking and driving is wildly concerning lol
lol right that's like the anthesis of safety. I think she has a passion for telling other people the rules, rather than following them herself
She's not passionate about safety at all. She just likes the power trip over other people since she lacks discipline in her life.
Same and I work in the towing business
Also if and when she gets caught up in trouble with a drunk driver she will be barred from that position
@@rubenmejia942Good point.
Say what yall want but this girl was a dream guest compared to so many!! She didn't interup, she listened, amd she took ownership
Exactly. She seemed really open.
Did you watch till the end? 😂
She's a sweetheart tbh, she's so pleasant compared to other videos
This! I couldn't help but think she's adorable. I hope she learned something from this. I wish for her a future of financial success / stability.
Um... it's not the guests that usually interrupt! They usually can't get a word in 😂
I find it amazing that everyone on this show who is drowning in debt knows that “closing your credit accounts lowers your credit score” but somehow missed the lesson about paying off your cards! 🤯🤯🤯
😂😂😂
This is actually a great point 😮😂
But maxing out cards and missing payments, thus lowering your score is A-OK.
Or at least keeping utilization under 30%
That's probably smtg bank people tell them constantly to fleece them.
Did she really say that her and her motorcycle friends go to breweries and drink but it doesn't affect her because she's not driving? If you're riding a motorcycle with a driver thats been drinking, it definitely affects you.
She's riding on a drunk driven motorcycle. That's worse. Putting your own life on to another drunk person and say it doesn't matter cause I am not driving
I thought the exact same thing. Then, she tried to cover and say that they all go there and drink ONE drink and then just sit there and hang out. Sure, Jan! One drink, my ass!
That's terrifying.
I couldn't imagine having someone her size on the back of my bike in the first place and it not affecting my ability to ride let alone if I add alcohol to the mix.
And she loves "safety" 😂
Hold up do I have this straight?? She went from a 3 hour daily commute to a 40 minute daily commute, and her rent increased by only like $150 bucks. Then she moved back to Dallas because Arlington was too expensive???? SURELY the cost of gas and car maintenance would more than make up for that discrepancy
I honestly think that her commute was preventing her from eating more, and now that her commute is so short she has time to get home and decide to stop and get something to eat (hence cost of living “going up”). Obviously there’s more than that, but being stuck in traffic for 3hrs just means 2.3hrs that she didn’t have she has back to make bad choices.
Exactly what I was thinking
@@ALonesomeStreetyou can eat and drive….
@@laurenc9458It’s not safe.
I think a recurring theme throughout this show is people not being great with money
"Living is expensive."
*spends $800 on eating out*
Edit: I'm happy to see the normal lighting is back!
Meeeeee, too!
I liked the edgy one
I cannot fathom spending that much out… and I budget getting drinks with friends once a week.
@@Honigbiene1 for real, that's more than my rent and phone bill combined
I diet. I make a shopping list of healthy food but stop at McDonald’s instead. I diet
Just FYI for you all, when people eat, drink, smoke to excess and then say "at least I'll die happy," they are horribly wrong. There are worse things than death, and these habits make you more likely to experience them. Vascular disease, diabetes, strokes, heart attacks, organ failure, cancer, emphysema, joint issues, early onset arthritis, all can afflict your for decades. Having a stroke at 65 and being completely debilitated for the next 15 years isnt "dying happy."
Yes! Also I really believe that inflammation in your body affects how you feel and your mental health. Your brain and your body are connected 100% of the time.
Absolutely
I used to say things like that. Im 26 and quit smoking last year when my wife and I decided to have a child. My dad died at 65 after smoki g his whole life. Had cancer but essentially suffocated to death in his sleep and his quality of life for the last 10 years was aweful. I had to say goodbye to him while he laid braindead in the hospital bed. Its not worth it.
Ummmmm as a yeahhhhh I am NOT happy when I gain weight. It severely irritates me non stop sensorily. I’m so jealous of these happy fat people with zero sensory issues??? Their skin doesn’t bother them??
Yeah, having to be catered by everyone around me, covered in sores and in pain constantly and unable to even breathe at night without assistance isn't my idea of "dying happy."
I'm struck by the sadness in this person's eyes. It strikes me that her spending is connected to the desire to comfort herself from some sort of essential sadness.
This was my impression as well. 💔
She seems so sweet and so lost
Man that was sOoOo dEeP
You're only saying that because her problems are obvious. If she wasn't fat she'd be like anyone else with vices and "treats".
Yeah, these things get her by
if my rent was under $600 i would literally have NO DEBT ISSUES wtf is wrong with people. and shes 2 years older than me
Fr! I'm 21 and live alone. It's so expensive 😫
I'm hanging on to my one-bedroom as long as I can before I need an extra room for my young child bc the rent is just a touch over 600 and ALL utilities are included in that. Where tf am I gonna find that?! I don't want to let it go...
@@mikomikasa3958i couldn’t even find that as a college student 😢
I've literally never paid rent so cheap and she acts like her cost of living is too expensive
Smh right even at 18 when I moved off to college, I was paying $670 for a single bedroom in a 4 bedroom apartment.
@@kianna270I think my first place was $525 with 2 other roommates. It wasn't well-maintained at all, but it got me through college
My first place was $1600 and i was thrilled when i found a place for $1200.
@@ReaverRoyalemy first place I had by myself was 425... Those were the days... In mid 2000s....
2011 my rent was 450. 2014 my mortgage was 278.19 (30 yr fixed)
The urge to convert from taquitos to sweet treat is strong
Ah yes the two genders, taquitos and sweet treats
“Tasweetros” problem solved.
He really should adopt that term from her that would be funny
Sweetitos @@josephbrown9685
Judging by how fast he can say "nonononono" I'm sure he won't have trouble saying "taquitos n' sweet treats" on the regular lol
As a retired hospital dietitian I can tell you that eating poorly is not a guarantee to die young and happy. Try living twenty, thirty or more years with diabetes and heart disease. Try living on social security when 80% of your income goes to meds and medical expenses.
I fully agree!😮
Damn right!
This is one of the saddest episodes I've seen. It's HARD to watch. She can't admit it's an addiction.
More people need to hear this. I'm sick of smokers, alcoholics, and fast food eaters saying, "We all die anyway." K. I don't want to spend my time before dying being sick and miserable.
@@BaconMaken With medical science today and all the drugs, people can live a very long time with serious, chronic illness, but they can't live the way they would like to live. One of the best ways to prepare financially is to stay healthy. My husband and I are in our 70's, married for 50 years and still active, only taking one medicine each. Stuff still happens, I had cancer. But you don't need to add on a bunch of preventable stuff.
As much as I’d love to be on financial audit to speak about debt and personal management , the risk of a jacked up thumbnail of myself poses more of an embarrassment than any of my finances
Right 😂😂😂 his team is pretty brutal
Bingo
It's the reason I won't ever apply to be on the show, as much as I'd like to.
Yeah, the thumbnails and titles are stupid
😂😂😂😂😂
Apparently the guests approve it… but they are paid so maybe they don’t mind as much with money in their face. But you would still be “Irresponsible Person has NUCLEAR Finances and hits on me” with a Taliban plane flying behind you
"What's the point of making a budget if we're not budget-TING?!" 😂
I died at this part too. This needs to be his new shirt lolol
I highly doubt she is making a detailed dollar-in-dollar-out budget every month and then just ignoring it. She likely doesn’t write it down and certainly doesn’t follow it.
Haven't reached this part of the video yet and I can already hear this in Caleb's voice
I budget this way. My monthlies are constantly changing, setting any limits doesn't make any sense. My goal is always just to spend as little as possible, So setting arbitrary limits doesn't really work
@@frankvonfrauner right, I'm not one to get very detailed. I just calculate my needs every month then decide how to invest, save, and spend with the rest.
I can't believe she's only 23. If she keeps up her eating habits and tells everyone that there's nothing wrong with those habits, she's going to have massive medical issues by the time she's 30.
Yeah, she looks like she is going bald. She seems nice and just wanting to have fun whilst young, can’t blame her.
Hi... it's me, at 45, from the future. SHE IS PLAYING A DANGEROUS GAME WITH THE SWEET TREATS!
@@1983BoyBenny going bald that early as a women can also be a sign of PCOS. high amounts of women with PCOS are also insulin resistant. it's kind of a chicken/egg situation whether the bad diet causes PCOS or if it makes it easier to be less healthy WITH a bad diet than people without it. but it absolutely does make it worse. i hope she has an obgyn who cares about her.
@@ohdearolive Hair loss is also associated with hypothyroidism. Insulin resistance + hypothyroidism is a recipe for obesity.
@@1983BoyBenny100% can blame her.
food addiction is the silent killer no one talks about!
Totally agree.
It's because now it's offensive to talk about it. You're considered fat-phobic. Probably enforced by all the fast food and junk food companies.
Food addiction boils down to sugar addiction. Bacteria in your gut craves sugar. They run the show and we don't even realize it.
@@k20z3keith7 Not always. Sugar is highly addictive, but so are fat and salt.
It’s not even an addiction, it’s a lack of self-discipline and self-control.
Food addiction, shop a holic, spendthrift.
Her issues run deeper than just mishandling money. She's attempting to fill a void with food and stuff/things. My bet is Shes used to being depressed , its normal to her so she doesnt realize that she is actually depressed and unhappy. Bless her, I hope she realizes her issues are issues and seeks healthy assistance in resolving them. Then everything else will become easier or more simplified at least. Shes so young to be self destructing.
There is something else there for sure, depression being probable. Perhaps that is why she really went on the show.
Most people in this show are depressed
The little graphs showing total credit card debt are EXTREMELY helpful in following along. Thx!
Trucking guy here!
Safety jobs can be well into six figures. If done properly, safety can not only keep us all safe but protect a company from hundreds of thousands in cargo claims! Critical position in mid to large sized carriers.
Also, driver manager is a great, lucrative position as well. Typically start at $60k and can make $85-$90k if you’re willing to grind.
Stick with it!
Absolutely! In fact, I was getting a little annoyed with Caleb in the beginning because he kept interrupting her as she's trying to explain. Plus he's deriding the job as unnecessary because "Isn't that something they can do themselves? "
Just please let the guests explain their jobs! Let them get comfortable with some easy questions about their day-to-day lives and then you can go in with your interrogation regarding finances.
How about no. This person would ruin a company.
Boost for the algorithm
What are these roles called?
@@AmmyWolfable what ones? Safety and compliance or driver manager?
Whoever did the change/money sound to notify us of the debt counter going up. THANK YOU!
It’s very expensive to have friends. Also, the reason they make credit cards metal now is so that it’s harder to cut up. . . I’m learning so much!
Evidence?
lol i’d rather be in debt due to having a social life than in debt to buy stuff for me to spend time on alone
Naw, hanging out doesn't have to cost much. Real friends have fun anywhere, even at home.
Glad to see the "what do you want credit for?" question being talked through thoroughly and explained as dumbed down as possible. Saw a comment about it on a recent video and I agreed. The guests didn't seem to fully understand the question the way it was phase previously :D Great Video
Me too, I appreciated that and thought it improved the conversation a lot.
I can not take credit (pun intended) for it, but I did ask a few videos ago that exact thing. Personally from not knowing this concept from my side of the world. But it sounded like the guests did not understand the question, and then screaming will not help
The way he explained it this time was so much better than any recent episode. The “not taking advantage of it, it’s taking advantage of you” sound bite is fine AFTER he actually explains it to the guest and viewers.
My only thought is renting a new place. If you’re moving into a new apartment they’re going to check your credit score
"...so you don't want me to go to this convention?"
One hour in - she has not understood anything. Not a single thing.
She owes $15k on credit cards. An addiction to spending that much money on wants over needs is akin to how a drug dealer is looking for their next fix over getting clean
Dealers normally dont do drugs the addicts do@@FlyingJ420
yeah that was crazy
I think at that point she was kind of tired of being yelled at and was being difficult on purpose because I refuse to believe someone could be that daft
Eating junk food ruins you two times : first when you eat, second when you end up in an hospital bed 20 or 30 years later.
And apparently the third is financially
@@Poopiepies especially true now that fast food and eating out is so expensive.
Once in a while isn't bad. You cannot deprive yourself of something that tastes good.
Brooooo thank you
@@truthhurts3371 invest in learning how to cook. Shit I started making home made bagels twice a month and theyre better than any I have bought. Then you can splurge on quality ingredients if you really feel the need to eat something delicious as a reward.
I really like your new thumbnails. The reactions still illicit curiosity and interest, but they're not as goofy and a bit offputting as the past thumbnails. This one is sleek but evocative; I love it! The lighting here is better than the one where the lighting is directly on top of your head cause it made it look more sinister
Approaching the bad diet as a contributing factor to "financial health" is a great way to approach spending on junk food.
Literally whats helped me stay skinny lmao
Honestly, when it comes to fitness and budgeting it isn't all that different. Both are about consistency. I think with with fitness you can work on small goals first at least when it comes to trying to lose weight and build up over time.
The finances can be easier or trickier depending on income and mandatory expenses.
I lost weight on my frugality diet. Sucked though. Only possible because I had no access to any help or any credit or i would have caved. Afterwards I kept it up for a few years. But eventually the treats creeped back
People need to understand that there are lots of contributing factors to what makes a person self-soothe with food. There are medical, emotional, and nurtured-in habits that make it hard to not eat. Budgeting your money and your calories is a heavy load if you're not ready. Gotta have a "why" to have discipline. If you're a naturally thin, active person, that's great. That just means you have other battles. Give people some grace for trying to figure out their stuff.
As much as health insurance costs, it's a financial investment to try and eat smart and get a lunch walk in, especially with a desk job. Helps the financial, physical, and mental health.
Did people not watch to the end? The dark twitter/frog obsession/convention ending threw me for a huge loop and no one is talking about it! 😅
Yeah! That was the part where it was obvious this whole discussion made no impact on her. She's going to get her frogs, eat her sweet treats and go to conventions instead of making any positive change.
@@gotenkes100% absolutely.
Seriously. I went through the comments looking for someone to mention this lol
What part of "you don't make enough money to cover bills and minimum repayments" does she not understand?
Lmao thank you so much for making me watch to the end that was an interesting twist 😂
I get it. I eat when: bored, stressed, sad, depressed, happy.
Yeeh🎉
so many people do!! theres alot of science behind it so idk why people look down upon it🤷♀️
@@shorthairkorra If you are spending more eating out than you spend for rent, that's not a Good Thing. Make a PB&J at home.
I eat when I’m hungry
yah, my roommate and I were cracking up during the sweet treats speech...lmao
She should look into Risk Management. It's kind of a catch all Safety career:
- emergency planning;
- safe workplace practices;
- HR policies;
- managing insurance programs;
Plus a lot more duties depending on the risk managers position and industry. And it pays well!
hSE specialists and safety engineers is a thriving profession!
Yes she clearly hasn’t actually looked into the field. I’m a safety consultant with an education and make a great salary but don’t just watch cameras like she kept talking about 🤦🏼♀️
I am a health and safety engineer (in Germany, don't work in the field, but many of the guys from uni do).. she's so uninformed, it's kinda sad
Im convinced they're casting people who look like different Multi-Verse versions of Caleb 😆😆
Lmaoo
😂😂😂
😅😅😅😅😅😅😅
🤣🤣🤣🤣🤣💀
ROFLLLLL 😂😂😂😭😭😭
The people that say at least I’ll die happy really have never been not fat. I’ve lost the weight and become way more healthy and I just feel better I could never go back to being obese
Same, especially after ending up in the hospital the day after my birthday 2yrs ago. Don't know exactly what happened. All I know, is I went to sleep, and I woke up 3-4 days later in the hospital. Ended up being extremely high blood sugar. "I'm happy" after eating whatever/whenever, turned into the complete opposite REAL quick. It makes you feel like you ultimately let everyone around you down, embarrassed because you're in a hospital bed and can't even get up to go to the restroom, having someone else wipe you, etc. I have a "cheat" meal once a week, but it's almost instant regret. I really never want to get fat/unhealthy like that again
Same. Have lost 80 pounds so far and life is just easier and happier now.
They're coping. They are lying to themselves to try and justify why they have no will.
I’ve lost weight and there’s no difference 😂. I’m still depressed
@@toddtherodgod1867what are you talking about? It’s not hard to lose weight. It doesn’t take that much will tbh.
Debt counter and he changed the way he asks the credit question (even though she didn’t get it). Love it!
Still needs to be phrased a little bit better.
@@JasonGroom I think there's a disconnect that "credit" is the core of it all. We "use" credit, we accumulate access to it via the score, our debt is "credit", etc.
I know I never thought of the overlap in the terms because I see "credit" as a positive and debt (as in "I owe x") as a negative so I didn't think of the fact both the room and the usage of the room and the ability to get the room all boils down to credit.
Maybe the way to ask it better is something like this: “Your debt has already destroyed your credit score. You basically have no credit anyway. How is that supposed to help you any time soon?”
I thought he phrased it pretty well. He gave examples of what credit people can take advantage of. When he gave options she could use credit for she realized oh none, I don't have any plans for those at the moment.
21k in cc debt consolidated and gone on 8 months. Thanks caleb
Well done you!
Proud of you! 👏🏻👏🏻👏🏻
Grats! Holy cow great job ~
God Bless You & Yours 🤗💞🙏🏻🕊️🌻🏡
I’m not even three minutes in and it never ceases to amaze me that not a single person can say how many hours they work a week when they are asked without 1) getting it wrong the first time or 2) giving some random ass story
Understandable that people get confused and answer the number of hours per pay period. But the Yapanese is a problem.
Yes lol for most people that have set hours, like how do you not know? Especially getting a paycheck tells you! I've been working per diem for 2 years so I truly don't have an accurate average, range from 26 per paycheck to 40 😅
Im in for 14k credit card debt right now. I have knocked it down from 20k since January. Going for Zero by December.
THAT’S AMAZING 🎉🎉🎉
Down To 11k!!
"No one has ever been successful just saying I'll figure it out" - now that's a glorious quote!!!
Not really. You may be easily impressed
Well damn, idk how to support my wife and two kids, but I damn well better FIGURE IT OUT
I disagree.
I’m pretty successful just figuring it out. But I also have ADHD and fail about 6 times and then succeed in the space of time it takes most people to try once.
Girl, I feel you, I used to be in the same place as you, with little treats (both in terms of food, as well as other pretty objects) making me happy. I can't highlight enough how beneficial therapy was for me. Without it I wouldn't have been able to cut down my overspending, because it allowed me to seek happiness in other activities.
❤
Yay no interrogation lights today!
I was gonna say that 😂😂😂😂😂
and debt counter is returning. we are so back
@@cheeseandsprinkles77 This, normal lighting and the counter gotta stay :D
It was just a fun little test :)
@@CalebHammerit’s all good! I thought it was funny
I loved when Caleb created a new word. "satisfication". satisfaction and gratification together is literally what the world is like now lol
A parent of a psychology patient labeled her daughter “narcastic’. A common trait: narcissism and sarcasm. I love it.
Love the rephrasing of the "what are we taking advantage of credit for today"! Excellent way to re-ask and explain whyyyy we're asking and whyyyy we shouldn't care about our credit score right this moment. We have bigger problems than a low credit score right now
Caleb Hammer is like my financial Gordon Ramsey. I love it and would cry (respectfully) if he yelled at me.
Been on the oatmeal and sandwich diet for the past month and a half and not only have I saved money but I’ve lost 10 lbs . The Hammer man Savin lives
Like only a bowl of oatmeal and 1 sandwich? Do you also work out?
@@FRESCO_KUN 2 packs of apple cinnamon quacker oatmeal , one sandwich for lunch and one for dinner on off days , on my lifting days I do 3 eggs , the oat meal, a protien shake 2 sandwiches for lunch and I usually skip dinner because it gets late and I do a hard 9:30 sleep time
That’s awesome!
My man, kudos to the grind 🎉 you got this!
“I’m thick. I have density” is the most adorable thing he’s ever said lol
lmao wtf adorable? is this man a small puppy to u or something 😭
@iamchelseafromthegram5746 she said what she said.
@@iamchelseafromthegram5746yes
Oink oink 🐷
Instant gratification is killing us
People mistake budgeting with tracking their money. If you don’t restrict your actions to make sure you follow your budget, then it is not budgeting.
“I just join in as a passenger. Join in as a motorcycle.”
She’s a transformer!?
😂
Well it's either that or she's on a pretty powerful motorcycle...
Thanks for the laugh
Oh my god I almost snorted water out of my nose
oh, she transformed alright.
“I like seeing credit card balances say $0 👌🏻” that hit HARD
What I don’t understand is how these young people get credit cards with so high of a line of credit. While I make almost 90k and my capital one card is only 3600 they won’t even let me get into debt.
@@santanaherrera5294Right… how are they getting such high credit limits for their age?
She’s willing and organized, a little discipline and she can get there with the money and her health. Good luck to her.
The classic "I bought something that I didn't need for 50$, but it was 50% off, so I have saved 50$" mentality.
Debt counter in corner is perfect touch caleb! Nice! would like to see it hang out a bit longer or even stick around during the whole show to really drive the point home to the audience.
This!!!!!!!
So as a truck driver myself, her describing a job in the safety department is why I dislike the safety department. Making up work to justify their employment and then just watching drivers actually working in order to harass them
Finding safety issues for them to work on so they leave you alone or don't have time to stare at cameras can be beneficial.
I've seen a company lose a 3 million dollar contract because they ignored a ton of regulations and received a stop work order before they could meet their product delivery deadline. It sucks if your company has a EHS person riding you but wont give you the time to work compliantly and won't spend on maintenence, but severe safety violations can result in fines or stop work orders that financially impact everyone at the company.
I specifically came to the comment section to say that I am appalled that she (with no business or practical sense) is in safety. I haaaaate safety people like this.
It’s dystopian.
@@laurabolt5412Typical socialist union shenanigans. Now the question is, how do I snag me of these higher up jobs lol
Yay, Thank you Caleb for asking the question 'what credit are you trying to take advantage of?' in a different way! It's so refreshing to see the concept explained to this guest so that she actually understands. Please keep doing this
I have to say I am a fan of the new thumbnails. I understand the brain-rot crazy colors and imagery are supposed to catch attention. But these are much classier and the quality reflects the production value of the actual show.
Also I can relate to and was very inspired by what you said about your struggles with eating habits, Caleb. I went from having an active job to working from home and have gained 20-30 pounds the past 2 years. With the weight of my unhealthy lifestyle making life more and more of a struggle (pun intended, physically and mentally), I am being forced to face my lack of discipline and poor relationship with food. It's that or become a black hole, as you joked. It's so much easier said than done, but you're not alone in this struggle. You can do it 💪💪💪
I wonder if people understand what a credit card really is. Like, it isn’t YOUR money, you are borrowing money from a company that charges you extra money if you don’t pay it back right away.
Its a pretty basic concept and yet people are still stupid about it
They could change the name to "Loan Shark Card" and people might understand. MIGHT.
@@fredfinger7092they'd just say, "but at least it's better than a mob boss loan shark who will break my legs"
Right? Like these people see "$3000 Limit" and think they just gained three grand. It's fascinating and scary to witness.
2023: TAQUITOS!
2024: Sweet Treats 😂
“I want to be in safety”…proceeds to get on motorcycle with a person who drank beers. 😂
Oh they're driving motorcycles? When she mentioned "bikes" my innocent European brain genuinely thought of cycling and even doing that under influence is dangerous, but driving a motorcycle under influence is something else 😭
@@AmatisoveLove exactly! Yes, she evens mentions motorcylces I think when she explains it...
It bothers me when adults act like children to difuse tension. It is not cute nor quirky. It is just sad
Yes, better approach to the "what do you want good credit score for" question!
that made me so happy!!!
Loving the Sideshow Bob hairstyle. Get it Caleb!!!
😂😂
Lmao
Idk about Sideshow Bob... maybe after a bender. It's something alright
Going to grow dreads....
His new nickname should be “Big Perm”
i need caleb to partner with a therapist for some of these, I feel like a lot of financial problems stem from poor mental health.
And a chef istg people need to learn to cook. Heck queer eye the whole thing and have an intervention team lmao.
Hey Caleb,
Your channel was a wake up call and helped me figure out where to cut costs and everything and I cut my debt from 14k and down to 4k over the last year.
Thank you!
I am loving the return of the original audit style
Caleb, I admire you caring about people's health. Financial, physical, mental.
New bingo square "wont that affect my credit?/ what about my credit score?"
Just a heads up, speaking from my small pool of experience, the OSHA 10 certification is pretty much the bare minimum standard OSHA certification, everyone in the construction field has it (I’m an architect and I have it) and it doesn’t really set you apart from everyone else, OSHA 30 would really be something that would set an individual apart from others
I got OSHA 10 when I did electronics in highschool lol
She is 23 and already accepting that she is fine with dying broke and fat, with no effort to change her life
Sounds like a pretty short and boring life, if you ask me.
Yea her body is ruined already. Even if she loses weight, she will have sagging skin and it will cost thousands to fix.
She can change, this could very well be temporary cope
She's doom spending. Gen Z doesn't see a financial future for themselves so they're just spending to enjoy now.
@@exqueue3813 gtfo this is just a bs excuse for being irresponsible 😂
The most American thing I’ve heard is “I deserve a sweet treat after a day of work”
After sitting all day and getting fat as hell. How do you get so fat at 23 years old? Sitting all day and eating garbage.
😂
I got myself out of that habit in a counterintuitive way. I used to be a “treat yo self” gal after a rough day at work, like a candy bar or Starbies. Then I noticed how it was adding up in $ and calories. So I changed to buying a $1 lotto on those days. Or as I think of it, a ticket to the daydream of what I would do with the money if I won. Except walking to the store to get the lotto was further than getting Starbies or candy from the vending machine so I maybe spend $3 or less a month on the lottery, which is less than 1 Starbies drink.
That’s what costco is for! 😅
Nah it’s more like “ I’m going to put myself in credit card debt for multiple sweet treats throughout the day”
yeah not sure where the "treat" culture came from. Everyone justifies stupid spending as "oooh its just a treat, i need treats to keep me happy".
Pavlov is laughing at us somewhere.
Infantilizing of society. It’s like how you’d give children a “special treat” for doing something good
Pushed by Big Snack
internet culture
Consumerism at it's finest. I recently almost bought some sunnies with a 40% off coupon, and had to stop myself cause I dont need them. And in our fast paced world, the spark of that "ooo I want a drink" usually isn't snuffed out. I even have trouble cause I wanna snag a flavored tea but remember my water is fine enough
Holy god the quickness that she flopped from “I have to wash my Kia” to “I’m gonna get rid of it” BLOWS my mind
I think she was talking about getting rid of the subscription car wash. Which also, wtf.
Wash your car when it’s dirty. Doing normal (non-wet Texas) driving, like, 1x a month?? If she was driving Uber for her work or something then at least it would make sense, otherwise it’s just wasting water.
It sounds like she lives in a house too…couldn’t she just manually wash her car in her driveway?
Thank you for bringing the debt counter back!!!!! And the sound effect!!!! I typically have these playing while I work and the sound effect is my cue to check what the total debt is.
he even REPHRASED the question and they still have no idea what he’s asking! 🤣 iykyk
I understand how it could be confusing if you don’t understand credit.
@@Username0467 that's fair. i only challenge the worrying about credit score/longevity w/o any further research/goals to attach it to.
Well, I finally understood it. Thank you Caleb.
They? She is one person
@@gaweindegraaf Preferred pronouns
$800 a month to eat out when you are dirt poor is absolutely insane.
You always find that the least safe, least sane, least reliable people are always the ones pushing for more 'safety' on everyone else.
The increased volume during the sponsored spots is the most annoying thing and I hate it. Please don't
Just fast-forward through it, it’s not the end of the world, holy crap.
They weren't complaining about the sponsors, but about the volume. I've noticed that too, and it's really jarring when the volume cranks up like that, especially if I'm not looking at the screen. I'm fine with sponsors, get that bag, just keep it the same volume! The post show is loud too.
@@ItsErica9090 You can probably still hear them in the bathroom.
She seems smart and like she was growing in understanding as the episode went on. It was enlightening and she was receptive to it. Treat culture is rampant, and easy to succumb to when you are young and don't make much money. I think this experience will be a turning point in her life, and she deserves to be happy and financially secure
I gained 20 pounds the past year and a half too. I’m in grad school, and I realized it’s a pattern that I eat when I’m stressed and depressed
I’m right there with you and I know it’s job related( nurse). It also doesn’t help that my husband was diagnosed with severe glaucoma. He hasn’t worked in 6 yrs so the burden is all on me along with his multiple eye surgeries.
Hope you're doing well! Citrus fruits are known to be mood boosters, helping with stress, anxiety and tension. It also curbs cravings You should try adding to your diet.
Same here. In addition to fighting it, once the pattern is known, it's worth considering phasing the stress out of your life. Grad school is temporary, but watch what career you get into.
I’m the opposite, low appetite/can’t eat for hours when i’m stressed and depressed. Everyone is fighting their own battle
I'm in the same boat! I lost extra weight 2 years ago and was the lowest weight in my adult years, but between work stress and getting into a new relationship I gained about 30 lbs in a year and was unexpectedly diagnosed with a chronic condition and the weight gain could have attributed to it. Practicing self control to eat more wholesome can be hard, but I take daily walks now which is good for my body and my mind!
It would be interesting to have all her other friends get audited on this show
Why? Not everyone has dumb friends. I have 2 friends my age who can’t afford to move out/live alone. One friend made more than I did and lived at home and still couldn’t afford things. That didn’t rub off on me?
Right off the bat she has a straight forward answer about what she does and knows how much she makes. I have high hopes 🤞
I'm not sure that cutting up her credit cards will help her. She has to change her behavior;. She's still go to a brewery with her friends. Then what? Bum a drink off her friends? Borrow money from them? Maybe she needs to carry a SMALL allotted amount of cash to limit impulse spending.
@@lynnw7155 Last I checked you don’t HAVE to order anything when you’re joining people at a brewery.
@@dnmitch True, but, does she strike you as a person with good impulse control?
@@fredfinger7092 Her fault for not being able to stand peer pressure or FOMO.
How did you feel at the end of the episode? :P
Here before the thumbnail changes
Edit: It changed😂
I hope they keep this one!
Looks like one from my 600lb life.
Whyd they change it 🥲
What was wrong with wila Wonka or whatever the original thumbnail said?
It's just a common thing UA-cam channels do to see what thumbnails get the most clicks
The convention question almost destroyed me. “I guess I’ll just have my friends go eat without me” and “Too bad I can’t get a refund.” Holy shit, if your friends don’t understand making sacrifices for financial stability, the are 1) shitty and 2) ENABLING YOUR BEHAVIOR.
Or, she could organize other outings that don't involve sitting down to eat.
She's just trying to guilt her way into getting what she wants. Such a child
To be fair I don't think most people are good friends, Or financial audit is brainwashing me into thinking the average person is just terrible.
@@amn1088this comment is so true. The older I get the more I realize the people I considered friends just want to take advantage of you and/or use you as a benchmark to tell themselves how awesome they are
"Are you done with the instant gratification, because you are willing to make tomorrow better than it is today?" -Caleb Hammer
I like that you said that. I like collecting motivational quotes. I had to stop what I was doing to write it down. ☺️
The lighting 🎉🎉🎉🎉 thank you it feels way more warm and welcoming
Man I would love to spend $800 on food a month
Food party
Schrimp and Steak everyday
Come to Canada! 🥲
@@unavoidablycanadian397yeah I feel terrible for Canadians. It’s a bleep show up there.
@coryjohnson2486 nah man I live on a border city, it's barely cheaper for some items and the same or more for plenty of stuff. Just went to Florida and after currency conversion, it was like 35-40% MORE in Florida than I pay in Ontario
Sweets Freak: try looking at government jobs or private sector engineering/construction firms. They always have a safety/health compliance section.
I wonder if her love of safety stems from a sense of recklessness in other aspects of her life
Insurance pools. I’m a loss control consultant for a risk pool and talk about safety all day long
I'm guessing there would be some kind of education required.
@@michaelmurphy6687 or experience, but yeah most likely.
I don' know how you did it, Dude, but you made a successful channel basically telling people they are financial idiots and have them enjoy it.
Great episode! My spending was so similar to hers just a few months ago, excluding the credit card debt. Finally realised that the "sweet treats" I kept getting (plants, thrift store finds, driving to work instead of public transport etc) was TERRIBLE for my future finances, as I wasn't saving or investing any of it. Trying to break the habit of "just a little treat" is so incredibly hard, but I've started listing ALL of my expenses and going through them weekly, just to make my own accountability more visible to myself. This show has definitely been a great help. Thank you!
Caleb, speaking as a person who has struggled with weight all my life (I'm 63 now), I very much appreciate the sensitive way you approached that. It was especially effective in using your own story to relate. That was not fat shaming at all. Also, I am noticing her hair thinning in the front. She may be dealing with PCOS which makes it difficult to lose weight.
Does he have these conversations with thin people that are eating out and having treats, too?
That's why I do consider it fat shaming.
@@melynn44 He actually does if it is as excessive as hers.
You must be new here @@melynn44 😂
He didn’t shame her, she shouldn’t be doing it from a financial standpoint and it definitely serves to motivate her further from that bad spending considering it’s detrimental to her health. He doesn’t mention that for thin people because thin people aren’t suffering from weight problems. She mentions herself she has back pain and I’m sure her weight contributes to that in some capacity if not entirely.
@@melynn44brain-dead take. For starters he definitely gets pissed at skinny ppl for over spending on BS food. He was actually extra nice with this lady, and she's by far the biggest person he's had on the show.
We have an eating out problem in the US
It is by design. Fiat incentivizes to spend and not save. It's the reason for inflation, even though the fed couldn't tell you why it's necessary. Bitcoin fixes this.
I felt bad for her. She seems like a sweet but very naive young girl that just needs to learn.
Unfortunately if parents treat their kids too much growing up they think it’s normal and continue to treat themselves as adults.
It takes a while to realize how to adult.
I'm always so impressed by your empathy and kindness. I think it helps the WHAT ARE YOU DOING sink in a bit better. You're such a good dude, I appreciate you. And shoutout to our girl having the courage to get ripped apart for the entertainment of others. But also... I'm pretty decent with finances, but I learn so much and it prompts me to look more closely and think about how I spend and budget.
So happy to see the if you make the minimum payment this is how hard you’re gonna get screwed section. An extra $70 saves all them years and interest.
When you make a payment, pay the interest and the payment.
Caleb, you may think about getting a set of medical shears to cut metal credit cards. They are pretty inexpensive and can pretty easily cut a penny in half.