I've Never Been Lied To This Much | Financial Audit
Вставка
- Опубліковано 19 лип 2024
- Click the link j.moomoo.com/00Bn5Z to get a 1.5% cash reward on your transferred assets (up to $300)
Offer conditions: www.moomoo.com/us/support/top...
▶The best budgeting program online, at the most affordable price: go.calebhammer.com any questions? Email support@calebhammer.com
▶1-on-1 personal financial help with our licensed/certified coach: calebhammer.com/coaching
▶Watch the Financial Audit Post Show: / @calebhammer
_______________________
▶Resources I use/would use (with discounts/sign-up bonuses):
1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: creator.sofi.com/c/5535481/20... *affiliate link
2) Get $20 from Acorns for free: sign up to get your bonus acorns.com/caleb
3) Click this link j.moomoo.com/00Bn5Z to get a "Mag 7" fractional share bundle for deposits or 1.5% Cash Reward match ($300 max) on transfers.
5) Coursecareers: Get qualified for a better job and increase your income: coursecareers.com/a/calebhammer
6) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: www.joinfizz.com/caleb
7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB hellohelium.com/
8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: aura.com/hammer
_______________________
▶Our other channels:
1) Vlogs: / @calebhammeryourweekin...
2) Hammer Productions mini-documentaries: / @hammerprod
3) Money Makes Cents: / @centsmakesmoney
_______________________
▶Fun things:
1) Exclusive episodes, private Discord, BTS, and a special thank you: / calebhammer
2) Get your own Hammer Financial Score: www.calebhammer.com
3) Merch: The most fun website: shop.calebhammer.com
_______________________
▶My socials: linktr.ee/calebhammer
▶️Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: calebhammer.com/apply
_______________________
Chapters:
00:00 Job and income
01:29 Why are you ruining your life?
06:28 The villain arc
07:54 Moomoo
12:18 Diving right in!
17:39 That’s one may to make money
24:11 Spend Spend Spend
30:00 ANSWER ME!
35:56 There’s no way…
37:50 Acorns
40:00 He’s not funny
47:45 This may be your only option
49:09 Bro your spending sucks
52:41 Budget time
56:17 SoFi
1:04:12 This is all on you now!
1:10:43 Hammer Financial Score
_______________________
▶Sponsorship and business inquiries: business@calebhammer.com
_______________________
These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________
▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.
▶Sponsorship and business inquiries: business@calebhammer.com
Click the link j.moomoo.com/00Bn5Z to get a 1.5% cash reward on your transferred assets (up to $300)
This dude pushes my buttons and we bring in the girlfriend in this extended 20-minute post-show! ua-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
Will background play ever get enabled on post shows? Only reason I cancelled my membership.
@@TherapyGel Honestly, idk :/ thats the platforms call, not mine
Yeahhhh, I listen while I work and my phone is locked in my pocket. Don't know why UA-cam doesn't implement it on member videos too :/ @@TherapyGel
@@CalebHammer While I understand the guest not needing to spend so much on a laptop....Telling people that they need more than 8 gb of ram on a macbook (outside of specific cases) is just not correct. Marketing has done a great job of making people think otherwise. I have edited for years on macbooks with 8 gbs and had 0 issues.
@@medsediting9746 I work in broadcast and found an 8gb one useless. Swings and roundabouts
Thanks to Caleb I've begun stealing taquitos from the gas station instead of buying them. I have saved thousands every month so far!
Best comment 😂
No wonder there aren't any when I stop by. I thought it was Caleb saving my wallet by buying up all the taquitos in the U.S.
Big brain thinking
Must live in California
Steal an extra one and sell it, now you are making money too 🧠
I think you should add a part where you tell people their net worth, hearing that you are worth NEGATIVE 50K was one of the things that helped me turn my finances around
I think that's a great idea. It wouldn't be super hard either cuz it's not like it needs to be exact.
Agree. Seeing my negative net worth got my ass in gear too.
That was actually the concept of a TV show where I live during the financial crisis mid 2000's.
Same. Seeing my negative net worth was my wake up moment.
I second this
From a 60 something, a word of advice. Never loan money. You are not a bank. I either give the money with no expectation of being paid back or I don’t give them money.
THIS!!!
Words I still live by to this day.
And don't give money unless you can comfortably live without it.
What if I'm a loan shark? That's bad business advice
@@theinternetbutler If you're a loan shark your morality is so far gone this doesn't apply
I almost resigned myself to getting fast food for tomorrow's work lunch because I was tired and lazy but I heard Caleb's "have you heard of a sandwich?" in my head and packed one instead. Saved myself $15 thank you Mr Hammer
What are you people eating - when I go get fast food it’s $4 tippy tops. 2-3 things on the dollar menu and life is grand
Bread tuna mayo cheese slice if feeling fancy and lettuce. Voila
@@AP-uk4dido you live in the years 2000s
I started leaving stuff for PB&J sandwiches at my office for days when I don't bring anything all because Caleb's voice wouldn't leave my brain
I can afford to eat out and still made a sandwich because Caleb's voice was in my head. 😂
I still want that Caleb Blood Pressure metric in the lower left hand corner of the screen
They should put a Garmin on him for us to see his stats throughout the recording 😮
and temperature too because I know his blood boils with these people lmao 😂
I just want to see his heart rate on that watch on the screen
He makes $50k and he doesn’t pay any rent or housing AND IS IN DEBT?!? Wtf?!?
Also be made half a million in sales his first year in sales
Insane. I make $10 an hour at a variable part-time in a small town where no one is hiring unless you're military. What I would give to be making $50k....
Loves to eat tho
@@cryptosig283 I thought he meant that was what he made for the company he worked for
@@cryptosig283 pretty sure that is sales for the company not his personal net gain from those sales
I have consolidated my piles of laundry into a larger pile of laundry in front of the washing machine. The problem is still the same but the whole thing looks much less manageable now.
And the original piles of laundry started popping back up all over the house 😅 i don’t understand how people have clean clothes
😂😂😂😂😂 excellent parabell
This is how dishes work in my house.
The entire concept of consolidation of debt is to lower the interest rate significantly and have a larger portion of the payment actually attacking the principal AND increasing cash flow. If you are going to end up consolidating all of your credit cards, then just go run them back up than why wouldn’t you also do the same thing by paying down one of the cards? It’s the same behavior in both situations and nothing has really changed to make you have changed that behavior.
> he's a liar
> he's a Sales manager
Seems like things add up, it's not unexpected, that's his job.
Puece of advice... in B2B sales never lie outright!
@@3_character_minimumyeah what a generalization . Not all salespeople are liars .
@@muradshawar The only people in sales who aren't liars are people who just got their first job in sales. They all end up the same
@@muradshawar sales is about believing in the lie
The money speakin' for itself, I call it fortune-tell
Fire top from a bitch that work in corporate sales - 8am in Charlotte, Drake 😂😂😂
We're in our 30s and just hit financial freedom in the sense that we just have to max our IRA contributions for 20 years and we're done. Full safety-net, no CC debt, 1x car loan, and it's the best stress relief I've ever had. 6 years ago I was paying off a CC consolidation loan, underwater on a car loan, very little invested, but today we could lose our income and be ok for over a year. For anyone getting out of debt: it is 10000% worth sacrificing for. No pair of shoes, no car, no gadget will ever replace the feeling of not having to stress about making payments.
You can do it.
Congrats!!a
Nice! Now just pay that car off!! 😂
I'm trying to get there by 30. working on emergency fund, thankfully was able to pay cash for my car, just gotta knock out the emergency CCs that got me through college
This is great! My husband and i have 3 kids and have been able to pay off 15 grand of debt since January. We are working on saving up for our complete emergency fund. It feels like it’s going to take sooo long but this is motivating. 🤗
Just wait until you hit a spot where you can lose your jobs and be good for 5 years. I just got there
What does it take to blow $10,000 a year? Just $27.40 a day in miscellaneous spending. Yep. Let that sink in………
Holy shit. I actually never thought about it like that. Thank you!
Holy cow!!
It's sinking in too deep, anyone got a life buoy?
Gas: hello
Stop. This truth hurts me
After watching Caleb for over a year, I’m realizing the 3 key components for financial failure:
1) Refusal to learn how to grocery shop & cook
2) Incomprehension of interest
3) Unsubstantiated hope
There it is. The formula!
I'd say keeping money management in the realm of emotion and not of reason
@@purpurina5663 I think that falls under 3!
#1 is near universal too
The unsubstantiated hope!
The thing that always kills me in this show:
Caleb - (lists off dozens of line items and $1,000s in wasted spending)
Guest - “oh that $9 was for work, I needed that”
It’s how I know they’re basically not paying attention at all. A close second is when people are getting absolutely reamed by interest and are worried about their credit score.
Dave Ramsey also says, “debt consolidation does not change behavior. Getting out of debt requires a behavior change.”
It never ceases to amaze me that people who don’t have to pay rent still are in situations like this.
The real world will destroy people like this when the actual costs of day to day living hit home
Don’t worry, they’ll just blame the government and expect hand outs. They’re slaves to their politicians and don’t realize it.
And the rest of us will pay for it when they vote.
My brother
10 Years at home longer than me
And? Nothing. Nothing in the back. Spend everthing. And know
Own flat own life, girlfriend... money is not enough😂
He could easy have 50k in savings.
And he did nothing
And me ? Paid of my debts, nearly debt free and even have a Emergency Fund.
Yup, I’ve seen a few people like that on the show now…They don’t pay rent and have no major financial responsibilities but have an insane amount of debt…Their problem is a “spending” addiction which I’m sure is a psychological issue that probably can’t get fixed without therapy.
@@robertsprague3981 it's not a psychological issue. financial literacy is not taught anymore.
If this guy is reading comments, and anyone else as well that this applies to, DO NOT PURSUE PRIMERICA. I'm so glad he didn't do that. It's an MLM.
YES YES YES CANNOT STRESS THIS ENOUGH!!!!!!!!!!
Omg I haven't gotten that far, but I honestly think there have been other guests that are in MLMs but Caleb either didn't pick up on it/know what the company was, or doesn't know how horrible they are financially!
@@heartsandpulserasthey are better financially then he is that’s for sure they teach to pay on consumer debt and good compounding interest what Caleb talks about also only sells term life. No I don’t work for them
He has to do a collab with that guy that educates ppl on MLMs
I just commented the same thing before seeing your comment!! I hoped I wasn’t the only person that caught that since Caleb didn’t 😭
Dude is willing to give up his plasma in order to continue eating out, instead of discontinuing eating out and pay your freaking bills 😵💫😵💫😵💫
Caleb we desperately need “I need to eat” Tshirts. That’s a taquito that I can stomach spending my monies on.
That and "no one taught me that" lol
And “But I wanted it” t-shirt
"This shirt is a want"
"I need to eat" with pictures of like fast food.
An option to be able to pay for merch items in monthly instalments aswell
i just want someone's answer to "why did you lie" to be "cuz you scare me" lol
I had a credit card with a balance of $3,000. Took me 3 months but I paid it off today! Thanks Caleb 💪🏽
Woot!
Only 3 months! 🎉 would take me 3 years (am not a credit card person)
that’s 1000$ every month! be proud! good on ya
Congrats!!!
Gj Brenden. Keep focussed buddy.
I honestly believe he did not lie about the missed payments- he just doesn’t know when you pay past the due date, it’s considered “Missed”. He thinks, if he pays SOMETIME that month, he didn’t miss a payment, it was JUST late.
Agreed, His also not the first person on who has thought this. It seems so basic but it seems to be a common gap in general financial knowledge.
I think you're right and that is WILD. "Did you miss the bus?" "No, I got a cab later."
My credit score just dropped 17 points after watching this. Thanks Caleb
Lol why?
😂😂
Did you pay something off? Lol
Good. Best sign of wealth is an indeterminable credit score
I stole your points. Thanks bro
Paid off my car just in time for the car to need 3k in repairs but thanks to Caleb I had an emergency fund for the car on top of my one month so no new debt and still working on paying off 34k of student loan debt but I’m on track still to be debt free by the end of the year
Much to like here. Nice one lad..... bump up the emergency fund and start saving for a new(er) car...
That’s how it always works. As soon as I paid my car off, my air conditioner went out. 😂
KEEP GOING! YOU GOT THIS!!! 🎉 I'm in a similar position; end of this year will be the paid-off car loan for me, but next year I plan to tackle the 22k in student loan debt. Debt free by end of 2025! Let's go!!!
I found Caleb a year ago around the time I had just found out from my dentist that I needed $ 26,000 in dental work. I was trying to find out what organs I needed to sell to get this work done or how to cheat ny way into winning the lottery.
I have the profile of many of the guests here with a mental health component. I hear his voice every time I order door dash now. In the last year I got my dental work done, I'm half way to an emergency fund. I owe 0 in credit card debt and I pay rent in California. I appreciate this channel so much!
what on earth was 26k? head south of the border, get the work done for 4k and take a vacation.
@@TriHard612not a bad idea at all. $26k is wild!!
@TriHard612 I ended up going to Turkey and it cost me a bit less than half plus a week long vacation by the water.
@@Annonymight I know of a handful of friends that have done similar, overseas for dental and take a week to rest. (Thailand, Costa Rica, and Mexico).Still come out ahead.
The “I pay rent in cali.” Got me dead 💀
Caleb, just a suggestion since I can tell you really value audience feedback. Maybe start emphasizing to guests that eating at home doesn’t have to be miserable even on a tight budget. I’ve been trying to do a barebones budget this week ($100 or less for everything) and so far I’ve made my husband and me: white chicken chili, stuffed peppers, spaghetti with hot sausage and homemade sauce (don’t buy the jarred crap), and pork tenderloin with mashed potatoes and horseradish. I’m making individual chicken pot pies tonight and I’ve still got jambalaya and sausage pilaf on the menu for the rest of the week. All of these have made enough for us both to take to work the next day, which cut the lunch part of our grocery budget down by about 70%.
The point is, cooking at home can be just as good, if not better, than eating out. Learning HOW to cook it critical if you are trying to cut back on going out to eat, because you’ll never be successful if you’re miserable every time you’re eating.
Awesome comment! Where I live, sales tax is 10% but groceries aren’t taxed. Massive savings meal prepping! I make a killer roast beef in the pressure cooker using $25 worth of ingredients and it yields 7 lbs of low fat, high protein food that’s extremely versatile and tasty and lasts all week.
Great comment! I don't eat out often EXACLTY for this reason. I can cook so why would I pay extra for substandard food? And I can tailor make it to my exact taste preferences
Great comment! My wife and I have gotten really into cooking since going out to eat with toddlers is impossible. Eating out doesn't get us the same satisfaction anymore.
I've always cooked for myself, but late Covid we started doing Hello Fresh for more variety. It's more expensive than straight grocery shopping, but we can afford it. I've found we don't spend any more on groceries, but we aren't throwing stuff out. For two people, we'd throw out a lot of stuff unless I was making a stew or something. How many times you buy an ingredient that comes in a quantity that is too much unless you're eating scallions every night for 2 weeks. Despite inflation, our grocery bill has barely changed in 4 years.
i think the guests are mostly just lazy and never even considered it more so than not liking homemade food
Recently, I went to Walmart and got some groceries. My cashier was an elderly lady who was struggling to learn how to ring items up. And in my head, i heard Caleb's speal about dying on the Walmart floor. I felt bad for the lady and did my best to be patient/polite. I wish her luck and am doing my best to get a hammer financial score of 10/10. The reality check of how possible that future can be is terrifying.
I’ve had this experience too. It is sad but also motivating.
The only thing scarier is when the cashier who is their 30’s has to ask what the names of the veggies 🥕 you are buying are. I once had them ask about a Napa Cabbage. They looked at me like I was an idiot. “Cabbage is round. I think this is a lettuce “ Me : “It’s a Napa Cabbage. It’s for Asian food. “ Cashier “Fine… “ They switched on the light and called for a price check 😂
I have had to show cashiers how to tell the difference between a cucumber and a zucchini 😂… I had to explain once that Opal apples ( Yellow apples) were not Bosc pears 🍐. I once bought cranberries and the cashier said “I didn’t know they were real berries. I thought they were just juice.” 😂 I was so flabbergasted I didn’t even know what to say … Like where did they think the juice come from?
I am always nice but it makes me sad that grown adults have never eaten what I don’t even consider to be “exotic” foods.
The "I need to eat" to justify fast food is still so mind blowing to me. Gee, if only third world countries knew about that amazing life hack! As if there was no other way to eat.
So many people are like this and I'm like why? I cook better food than 80% of restaurants, it costs me 1/5th of a restaurant, and I eat good. Real good
It's extra mind blowing when you realize how disgusting and expensive fast food is. It's even worse when you realize so many people also door dash it. It really blows my mind. I can understand not wanting to cook but atleast support a local business.
@nauscakes1868, have you ever been to a 3rd world country before? 😐
The third world did hear about the fast food hack, hence the flood of Indian delivery drivers
@@dariennedykes678 I was on a work trip and my coworker wanted to door dash something (it was still relatively new at the time) and we both said no when an 8 dollar order turned into 25 bucks lmao.
Today I got paid for a monster amount of work last week. Want to thank Caleb because I just paid off all my credit cards, paid off my phone, contributed to the principle of my car loan and invested 1000. Whenever I want to put down the focus on my finances, this show reminds me where I want to be and gets me back on the straight and narrow!
This country has a serious eating out problem lmao literally going into debt for it rather than going to the grocery store once or twice a month
If people would do the math on groceries, they would realize they could make really nice, tasty and satisfying meals for $2-$3 a serving, or even less.
Seriously if people were financially responsible that industry would take a massive hit. At this point the economy lives on fast food + credit card + automotive bad decisions
@@purpurina5663 Think about how much bullshit is on things like klarna...
@@WoodsintheBurg94Where do you live for that to happen lmao? It's $7 for a small plastic pack of blueberries here in NY.
@@alb0zfinest I’m in MS. Food prices here have gone up a lot but with some preplanning and buying in bulk and watching for sales, it can be done. For example, a couple of nights ago we had hamburger steak with rice, gravy, and coleslaw all from scratch, for around $3.35 a serving for at least 4 servings of meat and more for the rice and coleslaw. It’s just two of us with no growing teenagers.
Caleb the plant flies are actually Fungas Gnats. There is a solution you can buy to water the plants with that will kill the eggs while the adults die off. This is probably due to over watering. (according to a horticulture team I work with when I asked)
Mosquito bits (BTI)! It's bacteria that only affect fungus gnat larvae and is harmless to pets and humans. Soak 4 tbsp per gallon of water for 30 min, skim off the grains that float to the top, and water once a week for 3 weeks.
I bring a large number of tropicals inside for the winter, and the root wash is great for getting rid of those fungus gnats.
I recommend Mosquito Bits!!
The pellets you water in work well. Also leave a fan on at night.
I use pebbles to cover the soil, had helped a lot
Caleb - I just want to say thank you for what you do. I’ve only been watching since December and my husband and I were $152,000 in debt (car, student loans, credit cards) and nothing in savings. Since watching you, we now have 3 month emergency fund, have paid off almost $9,000 in bad debt (I picked up a second job and a few gig jobs). You have truly changed our mindset around debt and financial freedom without shame - something DR failed to do for us for a few years now. These videos serve as reminders for us and continue to motivate us! Thank you 🤍
DR is an AH, don't blame yourself. Dude referred to a pregnant employee as an inconvenience and took out a gun & put it on the table during a staff meeting. F that guy. His lawsuits tell all his secrets.
Who is DR?
@@ayeshaliaqat-gm5mnDave Ramsey
@@ayeshaliaqat-gm5mnDave Ramsey
@@ayeshaliaqat-gm5mn David Ramsey (his real name is short hand for David but I don’t want this comment to show up as a google alert for him 😌)
That $11000 on the transportation budget took me by surprise for a second lol
Definitely a typo I had to go back and hear what Caleb actually said, LOL.
Caleb if you see this, we need “HAVE YOU EVER HEARD OF A SANDWICH?” merch ASAP. Thanks finance daddy.
“Thanks finance daddy” really killed me 😂😂😂
I’m 15 minutes in and Caleb Dad mode is in full force. This guest never had someone point out accountability and flaws in his logic. 🎉
People today seem to have never learned willpower or self-control. My parents lived through the depression and I was taught to save, be frugal, sacrifice stupid stuff to get the stuff you really want. Today I own a house and car and am 100% debt free. Thanks mom and dad.
yeah, this guest is very unlikeable
@@lynnw7155 how old are you?
@lynnw7155 ya- your grandparents house was less than $5000. Dont use this persons abusive family as an example for an entie generation- lets talk about how much houses were 30+ years ago
Mom gives me a treat every time Caleb yells at his guest. I’m well fed. - Koda
😂
A running theme I’ve found with many of these people is they think eating out is the only way you can feed yourself. “I like to eat?” I like to eat too, but I buy my food from the grocery store before I prepare it and eat it.
“You do security?? How you’re a twig!?!?”
Caleb goes full throttle sometimes and it’s comedic gold 😂
That was killing me lol, you do security? What the eff you gonna do?
I think you got to get some people over like 25 again. Been doing a ton of audits of 21-23-year-olds and of course they are broke and in debt. They have barely had a job after getting out of college. I'm 27 and I would like more people around 30-35 honestly.
Same. 30 here.
Then go on the show! :)
I agree. 27 too here
sign up then :)
Go see Dave!
Im 22, Just switched to helium using your link yesterday! I also paid off all 5k of my credit card debt this year using what ive learned from you, all I have to do now is get rid of my car. I was promoted last week as well and am now making 45% more income in the 80 - 100k range now. Looking to buy my first home after I pay off my car in a few months. Thank you Caleb!
What do you do for a living?
@@jbcillatwillI was just promoted to Associate Product manager, I've been working for the same software company for the last three years.
My son worked for Securitas, and they need ALL kinds of security, which often doesn't have anything to do with body type. He worked overnights in a booth at a pet food company, and his job was to make sure delivery trucks signed in and signed out after their delivery. That was it. Having a "security guard" on duty at the facility 24/7 was cheaper for them than paying the extra insurance for not having security guards.
I did that for allied at a big box store warehouse facility, same job, but it wasn't as easy as sitting in a booth. I checked in and out over 500 trucks a week, and that was just me, there were 8 other guards every day for the shifts. I walked 4 miles a day also. My husband worked the same job and eventually transferred to a pet food company, he literally sat in the box and only wrote down certain numbers (truck & trailer) and never walked into the yard or did anything. It really varies. Generally, these "low level" security jobs will hire anyone with no criminal record and can pass a mouth swab.
One of the most underrated parts of the show are when laughs come from off screen because they’re always when I actually lol too
“Are you f*king me” caught me so off guard
Bro i wish i was
whoopsie
@@thefluffyassassin7552 horny jail for you ☠️
Same.. haha I thought well I would…
@@thefluffyassassin7552⏸️
Caleb, it would be interesting if you did the video backwards. Start with the budget and use the statements and bs spending to explain why or how it would prevent them from hitting their budget/goals.
I think people would do a lot better with this format. For me a lot of the time the video doesn’t get interesting until they get into that
The only thing I can think about is people would click off after the budget and video wouldn’t have a „tagline”
What is there to explain bs spending doesn’t help you when trying to save and properly invest? Wasting money on unnecessary purchases will hinder and could prevent saving or investing for a while
That would be interesting. He’d need to go through debts first, then budget, then roast their spending
There was a Canadian show called "Debt Do Us Part" in the 2000s where the host did something like this. She also would point out if they continued spending they way they did, they would be in debt by $XX,XXX in 5 years. The latter part really drove people to realize how bad their spending was. Then she dove into their statements on how much they were spending.
I’ve been working on paying down debt since watching this show and I’m already down 50 percent!! I also learned a lot about interest rates from watching and your reactions to credit card and auto rates. Helped me realize I am getting shit rates and should not take out a car loan until I can get one under 6% Thanks Caleb
WOOOO keep going!
Even 6% is high.
This somewhat reminds me of the 19 year old who was paying for everything for everyone in his family even though he couldn't afford it. I would love an update on him, he was such a sweetheart and his family was taking advantage.
Bank employee here, you can add someone as an authorized user and not give them a physical card, if you really want to help without the risk
Caleb: when your guests say they're "trying", what they mean is "I like the idea of".
right? I think a lot of people say that, they want to *start* doing the thing, but are not doing it yet, ie, trying to do it
You just called me out lol. I like the idea of becoming a programmer. I can't honestly say I'm trying...
Viewer from the U.K. here, before Caleb videos, never heard of Taquitos!
"Who would hire you?" Caleb, security compaines hire anyone with a pulse and no felonies.
Yup, he’s confusing security with being a bodyguard or a bouncer and they’re not the same thing…Security is the protection of property by observing and reporting and escalating incidents to the authorities if needed as well as providing customer service…Anyone can do security.
Haha, you are right. In 2009, I went to a security job interview. Thought it would be fun to work at concerts and I needed a job. I went wearing a business suit with a fresh copy of my resume. Got there, and it was a mass interview with 50 people. Teens in sneakers seeking summer jobs were escorted by their mothers. They mistook me for a higher up and asked me who I was there to see. I said, I'm here to apply for the security job. They looked me up and down, scoffed, and tossed me a cup to pee in. I was so embarrassed that I turned around and left. May or may not have cried in the car on my drive home.
@@melissak8892twice now I’ve looked at some places to apply and immediately got a chatbot asking to schedule an interview, just by clicking the “careers” tab. I walk away from those too.
Caleb should have a series where he reacts to financial advice on the internet.
Never took the dogs outside to use the bathroom so fast before missing another installment of Caleb’s HELL OFFICE 😂
hahahahha
@@CalebHammerA cope laugh if I've ever read one 😂
Ive been peeing in diapers for months 😂
'Do. Or do not. There is no try.' That is today's lesson.
A goal without a plan is a wish. A plan without action is a lie.
This show needs to be subtitled "I nEeD tO eAt" because how often that phrase is used by nearly every guest on the show for their excuse for eating out too often.
You should do a “can I afford it” series like Suzy Orman did where you can get a wide range of people on the show where they can see if they can afford something like a house, boat, wedding ring really anything expensive
^ I second this. I see many peers forgo saving for emergencies and retirement to buy ‘wants’ bc ‘they can afford it’ when really they are skipping valuable steps
Great idea, as long as he isn’t as obnoxious and annoying as Suze was about it.
I LOVED that show. This is a superb suggestion
Caleb needs that movie prop money showing people how much in 1 month they've blown on interest, late fees, and nonsense spending. And ask them if they'd rather have that cash instead of it going to the creditors. Heck, multiply it out 12 months for a giant pile of "cash" and see if any guests react to that much paper flying out of their wallet every year.
Visuals really drive home the message.
Good idea.
I don’t think this would be as effective or climactic as you think.
Even a million dollars is a surprisingly small volume in (hundred dollar) bills. It’s not like in the movies where $100k fills a briefcase.
I guess he could do it with $1 bills, but if they’re fresh it’s still going to be a way smaller pile than the movies lead us to believe.
Found this channel in December and it got me into a higher drive to pay off my 7k debt. Finally on my last 1.5k and it's honestly thanks to watching this show as time passed. Should be debt free by the EoM.
Appreciate you in the YT universe Caleb.
I bought a wash/dryer with best buy and didn’t realize the deferred interest until towards the end of the interest free period. If i wouldnt have paid it off, i would have ended up paying double the principal. I paid that thing off immediately! Deferred interest is NO JOKE.
Syncrony does the same thing. I made sure to get that paid off before the period was up too
Most things that have 0% interest free periods are like that. It shouldn't be a suprise. Honestly it surprises me that more people don't realize this. They will try to get you anyway they can.
@@dariennedykes678 what i assumed was that i would be charged interest on the remaining principal once the interest free period was over.
Pro tip: 0% interest is nearly always just a promotional period, and will end.
@@l-train7876 yep. Thankfully i learned my lesson many years ago. The only thing i pay interest for now is on my home ☹️ but im in the “home” stretch. I can see the light at the end of the tunnel!
You know what i did when my Macbook died in college? I went without a laptop for the rest of college and used the school's computers. I had $250 max through college so I couldnt afford another laptop. These ppl really deserve no patience from Caleb anymore.
Not everyone has the same financial literacy as you lmao
@@alexandria65it's first grade math 😭 if an apple costs $3 and Little Johnny has $2, can he buy the apple?
I know that I grew up sheltered financially but I have learned so many new and exciting ways to screw up my future.
Just paid off all my bad debt. Now I’m working on paying back my dad. Thank you for the motivation 3 times a week Caleb ❤
Bro has a girl willing to make him lunch for work and spends almost $700 a month on fast food. Ridiculous.
Girlfriend part of the interview was heartbreaking! What is he doing!
Wow what a world to live in to wake up on a Wednesday morning just to watch someone get berated is just amazing. Thank you Caleb Springer and the team
Just had a $300 car emergency (spark plugs decided to explode), dipped a bit into my savings but it’ll all be back by the end of the month with my budget. Hurts, but doesn't hurt as much as it would have a year ago.
Soooooo the 2 biggest indicators for me getting assessed and diagnosed with ADHD at the age of 24 were impulse spending, people pleasing (putting everyone else first) and chronic job hopping.. and I also own a 2017 Chevrolet Silverado 1500 😅 NOT DIAGNOSING, just putting it out there. Might be something to keep in mind with future guests 🤷🏼♀️
Im not sure if this is a support you can provide, but I have seen a few guests in the past that really remind me of my behaviors pre diagnosis. If your team can connect them with a professional for an assessment, you might be removing half your battles if they are struggling with it! Getting diagnosed and treated changed my life AND my finances, I have crawled my way out of tens of thousands of dollars of debt simply because I had an understanding of why my spending was the way it was. This was before I found your show, now with the treatment and financial education I have joined an entirely different league.
Everyone has ADHD tendencies it's literally nornal psychology these days
It’s a valid point to get neuropsychological testing just to see what one has.
@ykook7000 not saying that everyone meets the criteria for a diagnosis of ADHD, I see everyone can struggle with pieces here and there. But alot of the people that I have seen on this show do struggle with behaviors that I myself struggled with that had a huge impact on work, family and finances. The point I had intended to make was that if they are to offer an evaluation and it's negative then it's clear it's behavior that can be addressed likely without intervention. If they are assessed and diagnosed that change without treatment (pharmaceutical/therapy etc) may be difficult or unlikely as they have already placed themselves in a position financially that they are reaching out for help 🤷🏼♀️ was just a thought is all
Guys, learn to make gourmet meals, pot roast, stir fry, shredded chicken, chili, etc. Especially if you are a single person you can more have more than enough leftovers for at least a couple of days.
Let's go, Hammer time!!! I'm on route to pay off two credit cards within the next two months, keeping the momentum going!
that awesome man, keep the good work
Congrats!!! 🎉🎉🎉🎉
Just popping in to say that at around 48.20 the guy mentioned sales and Primerica. Primerica is a multi level marketing company, aka a scam (allegedly, in my opinion). Primerica is not sales! Be careful everyone ❤
Thought of buying lunch tomorrow, but now I'm meal prepping instead. Thanks for the motivation Caleb!
This is my new favorite channel to binge watch.
My sister is one of those who can blow a ton of money with nothing to show for it. A lot of it is eating out. It's wild. I realized a few days ago that I haven't eaten out in over 3 months, and I wasn't even purposely avoiding it.
I don’t feel bad for people who spend all there money on Bs they did it to themselves the good part is they can also turn it around
Caleb, I’m currently watching this on my lunch break while eating a home made sandwich! Thanks to you I started packing my lunch every day, saving hundreds a month.
As I watch/listen from work, I enjoy these longer vids. Great work caleb and team keep it up!
This week, I started contributing 10% of my income to retirement at 26! I plan to start saving 3% off for potentially having a baby in the next 5 years! Caleb you gave me tools to be confident that Ivould one day afford a baby! Thanks, Caleb!
Definitely make sure to watch some channels on how they save on spending on babies. My wife and I made our own baby food, would freeze, we hit up Facebook free groups for different things we needed, (moms will always help moms out, especially since babies outgrow everything fast). It's saved us a lot, and in general we're doing pretty good.
One thing I think will help with guests is telling them the difference between what a missed payment is vs your definition of a missed payment. It's seems like they think of missed payment as a thing that shows up on credit karma because u didn't pay after 30 days. Vs Caleb definition is you have a late fee even if it's 1 day it's a missed payment.
Sooo I have a tad bit of advice for this young man. I know he tried to be an EMT, but didn't follow through because the "test was hard". I've been an EMT for 4 years, and planning to go to Paramedic school next year. He said he can't stay still and likes trying different things, and that's honestly everyone in EMS and Fire. If he actually tried to pass the National Registry, then he'd most likely enjoy being in EMS. And with him living in Texas, I've heard there are many learning opportunities by working in EMS in Texas. I live in OKC, and I made $100,000 as an EMT. I worked a lot of OT, but I was able to support my girlfriend and I for 3 years while she is in residency. I truly think he should pursue EMS. I think it'll actually give him purpose in life.
Posting JUST as the day was beginning to suck, you rock! thanks Caleb and team! ❤️
Bless you Caleb for going through all this shit not only for them but for us as well
Love watching these on my breaks man 😂 gets me excited to finish the episode when I get home
Glad to be joining the club of people this show has helped. I’m about to get another job, pay off my credit cards, and finally combine finances with my husband after 4 years being married.
Because of you and the channel Caleb. I paid off klara and Dave and deleted the apps for good and started managing my credit better and I'm now at a 700 score! I have a savings going and can't wait what the future holds. Thank you for what you do!❤
a dude living with his parents and is that far in debt. thats so fucking crazy to me.
Can’t wait to start seeing follow up episodes
Soo glad the gf got her chance to correct the bf. It sounded like she was part of the problem when in reality he was just using her as a scapegoat, I feel bad for the poor girl.
Omg I checked my UA-cam app just in time and this popped up immediately!! New episode yalllll
I’m here for the budget, Caleb!! Don’t do it for the guest, do it for the fans!
“At least we’re smelling good while going out and not protecting anyone”
Lmfao 😂
“How you’re a twig!?!?”
Had me 💀
Satisfication...Caleb teaching new words every ep
Part of my M,W,F schedules!
Dave Ramsey fan here. I like how you said you are starting to agree with how he says never to consolidate because the majority end up in this situation- that’s his whole point. He’s said on there the reason he says that is because most people emotionally feel like they’ve done something when they consolidate, when really they just are moving the debt around.
Some good news for today, I just sent off my LAST student loan payment and have no other bad debt, I am free 😌
If the plant flies (gnats) are a bother, repot the plants with nice draining soil (50% soil 25% bark 25% small rocks) and make sure the soil gets dry between watering! Most plant bugs will thrive in a consistently moist environment, and plants are chill with the soil drying out and then soaked in water like once every week or so, especially if they're indoor plants with majority artificial light.
Or just fake plants even, haha, I feel like plant care comes up all the time.
Mannn i was just thinking. Im off dont have anything to watch then my boi caleb comes through with another one! Lets go buddy!
Watching all these folks overspending on tacquitos. I think its partly that grabbing fast food every day doesnt really "feel" like a splurge, just like getting by. But then it adds up. Likewise, driving a low to mid price new car just feels really basic, but then the intetest rate. It's so easy to dump a lot of money on things that are really low budget.
I am a year away from being debt free. Thank you Caleb. I never was able to get my finances together till watching your show. I realize the small sacrifice for a few years gives you so much long term peace of mind. ❤
The pie graph on spending for transportation said $11,000 and I about lost it haha
Was it supposed to be 1,170? Cause that’s still crazy high for one guy
How much finance has changed and become more predatory in 25 years, will never stop amazing me. In my early 20's if a credit card/loan company gave you $7 and a stick of juicy fruit, it was a big deal.
It's bad. I have a troop with $4k of debt at 20 on a credit card. Like how in the hell. I've been using credit cards since I was 19 and they have been an excellent tool to build credit. This guy's card had 0% for a period of time and he thought it was free money during that period. Not shitting you. Credit cards are extremely predatory and I wish there was some sort of educational slideshow that you'd have to click through detailing the cards terms of use that could be understood by a five year old. Especially for young people.
@jacobwitt2070 or people could just fully read the terms that come with the card
@alhen9023 they can read it and not know what it means, the language is intentionally pedantic
@emmahorton3466 then they probably shouldn't get it. I've read all of mine and they're all pretty straightforward
Satisfication. I had to rewind to make sure I heard that right. 🤣Love your work Caleb and Team!
The way I cackled at “BUDDY YOU’RE A TWIG” 😂😂
Had to keep refreshing! Can’t wait to see what happens.