Oh, Romain! I wish you would have kicked me in the butt when I was 39. I'm now 59, and although I have about $500k in retirement, I should have a heck of a lot more! I worked a lot of years without saving anything to my 401K account. The years have passed by SO fast, and now I'm pushing 60. I wish i could turn back time! This is my biggest regret.
Yes, give yourself grace! 500k is still decent and you can either work to accelerate growth contributing extra or continue to work in an area you enjoy that doesn't feel so much like work!
Wow that's my story brother. I have approx $300k in assets and will continue grinding for another 14 years. I wish too that I had the same mindset 25nyears ago. At least we have it now.
Reminds me of the stuff we used to say as teenagers. One of my buddies would draw up a cool logo on his notebook and talk about he was going to start a clothing label
@@itsRomainFaure i think going into detail about revocable and irrevocable trusts is really informative and would help a lot of people. i know you taught me something with that. and i think it shows how quickly an inheritance after death can be spent, no matter the amount.
@@itsRomainFaureI absolutely love your videos. This one was packed full of knowledge and compassion with a path forward. Keep up the work you are doing you are providing a great impact on UA-cam. I can’t wait to see your channel grow and reach more!
Romain, my father worked for 38 years, he recently passed and left my mom with a pension. The social security is complete shit, but if it wasn't for my dads employer, she would be another screwed along with my brother and I would have needed to support her. I am not any better than your guest (except no girl), but at 39, I have 100X his savings, but lower net worth and a fully funded retirement plan.
Sorry for your loss, you are making it work !! And at 39 years old we still have a full life in front to make the best next decisions. And yes social security will only get you so far …
The wealthy 1% focus on growing their wealth through strategic investments during recessions, whereas the 99% who are facing hardship primarily concentrate on surviving without access to basic necessities like food and essentials, especially considering the looming threat of hyperinflation.
Managing Money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times, while orders tend to avoid them. Well, at least my advisor does too.
At 60 years old and newly retired, my external retirement funds total around One million two hundred and fifty thousand dollars.. With no debt and minimal retirement fund allocation relative to my portfolio's value over the last three years, I recognize the importance of a financial advisor. Neglecting them isn't an option; however, thorough research is vital to find a trustworthy fiduciary advisor
I'd be retiring or working less in 8 years, and considering this financial recession, Im deciding to begin taking up skilled trades. I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, learn around $130K per year but nothing to show for it yet.
You should contribute to your retirement diligently, or better still look into financial planning don't come to youtube for advise, consult a Local or trusted online broker/planner.
John (guest) has Master's degree. He should consider teaching such as teaching English online for a part-time job or teaching English abroard and rent the house. Romain, thank you for educating us regarding the trust will and how the debt collection works (I wish I knew about this when I was in my 20's. I paid them off). I am in my late 30's (expat in Europe) I should look into the trust will. Thank you for another useful show.
I live in the UK and I’m 48 years old. I have always saved every penny except for the past 14 years where I’ve stayed home bringing up my children. My husband unfortunately does not have the same attitude towards money. My government pension is up to date however I am anxious to invest in a private pension so I am comfortable in the future. I really wish there was someone like Romain who could give me the advice on how to improve my retirement fund.
That's wild on the unpaid speeding ticket for 7 years...I got my first speeding ticket at 17 and thought I'd be cool and hide it from my parents and not pay it. Within 60 days they literally sent this nasty letter saying they were going to suspend my license for over a year and possibly issue a warrant for my arrest. There was no "just don't pay it for 7 years" option, lol.
Him saying things just work out and I plan on being rich in the future. Says a lot. This is often the views of early 20s, now nearly 40. You should understand things don’t just happen you have to attempt to plan. You’re probably not going to be rich and that’s okay, if you’re it will be from consistent determination and effort not random. Then saying you work 30hrs a week. 🙄
This looks like a good episode, and from the preview he does look like it's really hitting him. I look forward to watching and seeing this through! Already liked :)
Great advice you provided to Jon. The only concern I have would be that, when he contacts the debt collection agencies, he should not just talk to them verbally, but he should get the agreement in writing (or email) that upon the negotiated payment they will consider the debt closed and report it to the credit bureaus. (Otherwise, they may apply the $100 as partial payment and "refresh" the debt, which may already be outside the allowable time frame.) This was a great presentation, Romain, as usual.
Dude should just sell the house and invest the money in an index fund. He’s paying the carrying costs of a single family home he doesn’t even need as a bachelor
I kind of get the sense that he needed someone, anyone to speack to him this frankly and honestly when he was 14, he's 39 living like a 21 yo....very sad
Romain I adore you and Caleb. You both outshine Dave Ramsey by a million with these thorough audits. I am so grateful to have you as a UA-camr working your ass off for us. You’re so helpful. Thank you!
Romain you bring such fun vibe and helpful yet tough demeanor for people, yet you get your point across without raising your voice or being condescending. I can tell you’re a very genuine person because it’s rare your guests get irate or defensive with you, they don’t feel like you’re attacking them, which I think is probably a very thin line when coaching someone on their finances. Excellent job, Romain!
The collections fall off of his credit report in 7 years. Contacting the creditors will restart the clock. I don't agree with doing it unless he is certain that they will allow pay for deletion on his credit report. He needs a feasible budget and to start an emergency fund. He should also reach out to the student loan servicers on the private lender at the very least to get on track with repayment. I am the same age as the guest and he needs to save more than $600 a month to get to at least 1 million saved in future dollars. He should plug his numbers into a retirement calculator and get a copy of his SSA retirment income statement to find out how much money in SS he can expect.
Romain, could you do a short or a post explaining a little more about the living trust? That sounds important, and I don't think to which professional ask for it or what to keep in mind so I don't mess up out of ignorance 😅
Unless you are rich, owning two vehicles is nuts. Even if you only insure 1 vehicle at a time, that is two amortizations, two opportunity costs and two repair bills. If the annual cost of a second vehicle is $4K/year (AAA estimates that the average cost of a vehicle is $12K) and you have 2 vehicles for 30 years, and you could earn a real return of 4% per year, that second vehicle reduced your savings by $216K in current dollars at the end of 30 years. And those estimates of vehicle cost and real return are conservative. The actual cost could be much higher.
John has time to turn this around and have a stable and safe retirement. I really liked the information on “irrevocable trusts.” It is so important to avoid an expensive and lengthy probate. That is not how you want your loved ones to have their last memories of your life. Great episode today. ❤
Oooo, not that I have known that many, but anyone I knew who did not pay their traffic/speeding citation/ticket within a year GOT ARRESTED!!! And this guy is coasting along life for SEVEN YEARS and has not had ANY intention to pay that ticket?? Hmmmm, must be nice to be so smug and cavalier to KNOW you are entitled to not get a warrant!! Sorry, this infuriates me!! I hate leaving negative comments, but this one I could not get past. Thank you, Romain for the upload.
Overdue unpaid traffic citations in my state, after a while, freeze your driver's license or forbid any renewal until paid!! So they get you within 6-8 years. His time is nearly up!!
@@kaythegardener Interesting, the several states where I have personally seen People commit this crime had laws to arrest the criminal if citation was not paid up to a year - some even less than a year. I have never ever heard of a state going this long - but I have not lived in every state.
Yep, when I was young and stupid and had just got my license, I got a ticket and figured I'd be the cool teenager and hide it from mom and dad. A couple months went by and I got an official letter from them that my license would be suspended for a year and a warrant would be issued for my arrest if it wasn't paid immediately.
Nice touch there...a deviation from financial audit to personal stories 😅. Anyway, best wishes to Jon, he seems to have figured out the frugality part, but needs to ⬆Income ⬇Debt.
Really like your channel, you have a better experience and you're much more sympathetic than most others on youtube. (I know that accent is fake though lollll)
Dear people who have paid a debt but are still being pursued for it: if you pay the original people AFTER it goes to collections, the collections company is not informed. You have to call the people you paid and demand they send notice to the collections company that you are paid up and to take you off the collections list. I worked for an “original” company like that. I was just a minion but the policy was we didn’t bother telling collections until you made us (just by requesting).
@@itsRomainFaure Because the revocable trust can be changed and assets transferred into and out of the trust, it provides no asset protection. Essentially, if the owner/grantor can access the assets of the trust, then so can creditors.
I am only a few years older than him and what he's got in savings is less than what someone starting with nothing is expected to have saved for retirement by this age.
@@itsRomainFaure How do you make the initial contact? I’d love for you to meet with my daughter. She lives in Seattle. She’s ready to take better control.
5.5% HYSA? Where? Most want 5000 deposit to start with 4.1 to 4.4. The accounts that pay 5.5 you have to put in 25k within 30 days of opening. Not to be argumentative! If you know of a 5.5 account please clue me in!!
@@nickcs2x592 thanks I'll look into it. I remember last year there was a 95 / year fee on M1 so I sort of stopped looking at them. I'll see if its still there. No 5.5 but respectable.
HE IS NOT MAKING 50K THAT WOULD BE WORKING AND MAKING THAT HOURLY RATE FULLTIME WE WORRY ABOUT CREDIT SCORE WHILE THE GOVERNMENT OWES TRILLIONS, BULLSHIT EXCELLENT VIDEO BTW
I don't get this comment. Both Romain and Caleb offer advice in their own ways. I really like Romain bc of how calmly he speaks and how he genuinely tries to educate people.
Caleb is good but Romain is better. I get tired of the screaming and swearing that Caleb does. Caleb sincerely cares about his guests but his approach is a bit over the top. Romain is respectful and calm.
@@itsRomainFaure it’s an old joke at a funeral, I’m sorry for your loss = ok, I apologise = responsible. Also never say good morning (mourning) at a funeral :-) Love you man my French is more merde than your English
I hope the guest get it together and listen to the Host: the guest needs to take this life serious. Being in his situation, how can he even contemplate having a significant other? Hopefully he focus on making money: then consider having a woman friend. By next year, I predict this channel will have about 300,000 subscribers!🕍🕌
Really good episode. Romain is so knowledgeable and he treats his guests with dignity and humility. I like the clear format of the show. ☺
Thank you 😊
"Here, I see on your checking account, ladies and gentlemen, a balance of 74... cents." That pause was comedic gold lol
Romain, I always laugh when you say, “bye Felecia” in your French accent 😂
Signature 😀
Oh, Romain! I wish you would have kicked me in the butt when I was 39. I'm now 59, and although I have about $500k in retirement, I should have a heck of a lot more! I worked a lot of years without saving anything to my 401K account. The years have passed by SO fast, and now I'm pushing 60. I wish i could turn back time! This is my biggest regret.
59 you are still very young - everything can still happen 😊
Yes, give yourself grace! 500k is still decent and you can either work to accelerate growth contributing extra or continue to work in an area you enjoy that doesn't feel so much like work!
Or u cd barrow against ur retirement and buy a bitcoin.
Wow that's my story brother. I have approx $300k in assets and will continue grinding for another 14 years. I wish too that I had the same mindset 25nyears ago. At least we have it now.
Agree @@thewaldronproject
Wohoo love the Monday videos!
"I plan to be rich by then" oof!
Reminds me of the stuff we used to say as teenagers. One of my buddies would draw up a cool logo on his notebook and talk about he was going to start a clothing label
Monday morning is better with Finance Action!
Thank you! Hope you have a great week ahead hehe
Roman, when you tell people to pay off collections make sure they get a written agreement on the pay off amount not just verbal.
The waving of the finger ‘let’s think about this’ cracked me up.
What did you think of this video ? 😀 it’s members only for now haha
@@itsRomainFaure i think going into detail about revocable and irrevocable trusts is really informative and would help a lot of people. i know you taught me something with that. and i think it shows how quickly an inheritance after death can be spent, no matter the amount.
@@itakenapsagreed!
@@itsRomainFaureI absolutely love your videos. This one was packed full of knowledge and compassion with a path forward. Keep up the work you are doing you are providing a great impact on UA-cam. I can’t wait to see your channel grow and reach more!
@@bingisnow Thank you so much! Yes I really enjoyed working on this one too :) A perfect balance
I love your kindness, Romain ❤
Your accent is soooo cute! 😂😂😂😂
Hahah Cheers Veronica!
Really appreciate all the follow ups at the ends of the episodes! Love this channel
Thank you for your support :)
Kills me that you are so underrated. You will blow up at some point mate keep it up!
Thank you for the positive thoughts :) Cheers mate!
Romain, my father worked for 38 years, he recently passed and left my mom with a pension. The social security is complete shit, but if it wasn't for my dads employer, she would be another screwed along with my brother and I would have needed to support her. I am not any better than your guest (except no girl), but at 39, I have 100X his savings, but lower net worth and a fully funded retirement plan.
Sorry for your loss, you are making it work !! And at 39 years old we still have a full life in front to make the best next decisions. And yes social security will only get you so far …
The wealthy 1% focus on growing their wealth through strategic investments during recessions, whereas the 99% who are facing hardship primarily concentrate on surviving without access to basic necessities like food and essentials, especially considering the looming threat of hyperinflation.
Managing Money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times, while orders tend to avoid them. Well, at least my advisor does too.
At 60 years old and newly retired, my external retirement funds total around One million two hundred and fifty thousand dollars.. With no debt and minimal retirement fund allocation relative to my portfolio's value over the last three years, I recognize the importance of a financial advisor. Neglecting them isn't an option; however, thorough research is vital to find a trustworthy fiduciary advisor
I'd be retiring or working less in 8 years, and considering this financial recession, Im deciding to begin taking up skilled trades. I'm curious to know best how people split their pay, how much of it goes into savings, spendings or investments, learn around $130K per year but nothing to show for it yet.
You should contribute to your retirement diligently, or better still look into financial planning don't come to youtube for advise, consult a Local or trusted online broker/planner.
How did you locate a reliable financial advisor? What criteria indicate their trustworthiness and competence?
John (guest) has Master's degree. He should consider teaching such as teaching English online for a part-time job or teaching English abroard and rent the house.
Romain, thank you for educating us regarding the trust will and how the debt collection works (I wish I knew about this when I was in my 20's. I paid them off). I am in my late 30's (expat in Europe) I should look into the trust will. Thank you for another useful show.
I was thinking the same thing! You have student loans, a Masters and your extra money is doing Jimmy John’s delivery? Super interesting choice.
"So you didn't throw that money to the garbage?" 😂😂
I live in the UK and I’m 48 years old. I have always saved every penny except for the past 14 years where I’ve stayed home bringing up my children. My husband unfortunately does not have the same attitude towards money. My government pension is up to date however I am anxious to invest in a private pension so I am comfortable in the future. I really wish there was someone like Romain who could give me the advice on how to improve my retirement fund.
Congratulations on taking action on your finances, I am still hoping that you are enjoying life as well :)
@@itsRomainFaure Thank you Romain!
That's wild on the unpaid speeding ticket for 7 years...I got my first speeding ticket at 17 and thought I'd be cool and hide it from my parents and not pay it. Within 60 days they literally sent this nasty letter saying they were going to suspend my license for over a year and possibly issue a warrant for my arrest. There was no "just don't pay it for 7 years" option, lol.
Thank you for mentioning an irrevocable trust. Many do not know they should be doing this to avoid probate and unnecessary expenses.
Of course, and you want to do revocable !
@@itsRomainFaure yes
Him saying things just work out and I plan on being rich in the future. Says a lot. This is often the views of early 20s, now nearly 40. You should understand things don’t just happen you have to attempt to plan. You’re probably not going to be rich and that’s okay, if you’re it will be from consistent determination and effort not random. Then saying you work 30hrs a week. 🙄
We just completed a revocable trust this year. Im glad you mentioned it for others to look into.
Congratulations !
I really must!!!
This looks like a good episode, and from the preview he does look like it's really hitting him. I look forward to watching and seeing this through! Already liked :)
Awesome! Let me know your thoughts :)
Your office seems like it shows your personality in a nice minimalist way.
Oh thank you!
@@itsRomainFaureis it just a set for filming or do you work in there as well?
@@litarea it is a small studio at my home yes - I have another office :)
I love your show! Keep on going! Amazing amazing! Thanks for helping all of the people that you do! ❤❤❤
Also I love your smile and positive energy! 😊
Loved how you displayed a plan for being a millionaire at retirement! 👏👏👏
Thank you ! Timing is KEY
My Favorite UA-camr
Thank you Frederick! I appreciate that :)
Great advice you provided to Jon. The only concern I have would be that, when he contacts the debt collection agencies, he should not just talk to them verbally, but he should get the agreement in writing (or email) that upon the negotiated payment they will consider the debt closed and report it to the credit bureaus. (Otherwise, they may apply the $100 as partial payment and "refresh" the debt, which may already be outside the allowable time frame.) This was a great presentation, Romain, as usual.
Excellent commentary!
This channel is awesome! You are very understanding of the situations of all your guests
Thank you for your kind comment :)
What do you think is going to happen when your retire? “Honestly I’ll think I’ll be rich by then”
Who’s gonna tell him? lmao
Yep .. it’s never too late but it will not fall from a tree for sure !
Never sell the house 🏡 houses are expensive to buy
Always look forward to your videos!
I appreciate that!
I'm confused how does $45 pet hour compute to 45k unless he works part time
You are a very funny Guy Romain with the accent😊🎉
It comes naturally haha
Dude should just sell the house and invest the money in an index fund. He’s paying the carrying costs of a single family home he doesn’t even need as a bachelor
Good point - it really depends on the area ! I am working on a video for this :)
Here 🙋♀️ I'm ready 🍿
Hope you enjoy!
I kind of get the sense that he needed someone, anyone to speack to him this frankly and honestly when he was 14, he's 39 living like a 21 yo....very sad
Romain I adore you and Caleb. You both outshine Dave Ramsey by a million with these thorough audits. I am so grateful to have you as a UA-camr working your ass off for us. You’re so helpful. Thank you!
Thank you for your positive comment!
Yes😊😊
Romain you bring such fun vibe and helpful yet tough demeanor for people, yet you get your point across without raising your voice or being condescending. I can tell you’re a very genuine person because it’s rare your guests get irate or defensive with you, they don’t feel like you’re attacking them, which I think is probably a very thin line when coaching someone on their finances. Excellent job, Romain!
Thank you for your very kind comment, we have a 93% success rate on follow ups for people that come to the show 😊
The collections fall off of his credit report in 7 years. Contacting the creditors will restart the clock. I don't agree with doing it unless he is certain that they will allow pay for deletion on his credit report. He needs a feasible budget and to start an emergency fund. He should also reach out to the student loan servicers on the private lender at the very least to get on track with repayment. I am the same age as the guest and he needs to save more than $600 a month to get to at least 1 million saved in future dollars. He should plug his numbers into a retirement calculator and get a copy of his SSA retirment income statement to find out how much money in SS he can expect.
This channel will hit 1M within a year…great job
Romain, could you do a short or a post explaining a little more about the living trust? That sounds important, and I don't think to which professional ask for it or what to keep in mind so I don't mess up out of ignorance 😅
Good point - next video dives a bit deeper into the subject stay tuned :)
YES I!!! was informed that one should do an irrevocable living trust.
@@TLA123y6f revocable gives you the flexibility - irrevocable is a one time and engraved in stone. I don’t recommend the ladder if you are not 65+
“I plan to be rich”… don’t we all 😵💫
Unless you are rich, owning two vehicles is nuts. Even if you only insure 1 vehicle at a time, that is two amortizations, two opportunity costs and two repair bills. If the annual cost of a second vehicle is $4K/year (AAA estimates that the average cost of a vehicle is $12K) and you have 2 vehicles for 30 years, and you could earn a real return of 4% per year, that second vehicle reduced your savings by $216K in current dollars at the end of 30 years. And those estimates of vehicle cost and real return are conservative. The actual cost could be much higher.
John has time to turn this around and have a stable and safe retirement. I really liked the information on “irrevocable trusts.” It is so important to avoid an expensive and lengthy probate. That is not how you want your loved ones to have their last memories of your life. Great episode today. ❤
You want to do REVOCABLE ❤️
@@itsRomainFaurethat's right. The revocable can be changed. 😅
Not sure why it won't show my comments :/ the m1 account suggestion has a 5k min and still holds a monthly fee to get the 5% rate
Yay a new video! 👏🏻 🇬🇧
Oooo, not that I have known that many, but anyone I knew who did not pay their traffic/speeding citation/ticket within a year GOT ARRESTED!!! And this guy is coasting along life for SEVEN YEARS and has not had ANY intention to pay that ticket?? Hmmmm, must be nice to be so smug and cavalier to KNOW you are entitled to not get a warrant!! Sorry, this infuriates me!! I hate leaving negative comments, but this one I could not get past. Thank you, Romain for the upload.
Yes Ticket, Taxes ... among other government owned debt should be taken care of IMMEDIATELY!
Overdue unpaid traffic citations in my state, after a while, freeze your driver's license or forbid any renewal until paid!! So they get you within 6-8 years. His time is nearly up!!
@@kaythegardener yes this is a priority !
@@kaythegardener Interesting, the several states where I have personally seen People commit this crime had laws to arrest the criminal if citation was not paid up to a year - some even less than a year. I have never ever heard of a state going this long - but I have not lived in every state.
Yep, when I was young and stupid and had just got my license, I got a ticket and figured I'd be the cool teenager and hide it from mom and dad. A couple months went by and I got an official letter from them that my license would be suspended for a year and a warrant would be issued for my arrest if it wasn't paid immediately.
Great advice. I really wish this man the best. 👍🇨🇦
Nice work. Keep up the momentum!
Yes on it 😀
Got a modest inheritance half for a house in cash. Rest in bank. Got mine age 50. So worked pre inheritance and savings
Jeep and a ram guy.... Doesnt get much more basic than that lol.
Nice touch there...a deviation from financial audit to personal stories 😅. Anyway, best wishes to Jon, he seems to have figured out the frugality part, but needs to ⬆Income ⬇Debt.
Exactly!
Would be interesting to see European version of this show
Hmmm ... interesting :)
But do they take on debt the same as in the US?
@@sharoncollins7722 it is not the same system
Really like your channel, you have a better experience and you're much more sympathetic than most others on youtube.
(I know that accent is fake though lollll)
The care you offer to help in getting people in the best direction is helpful.
And having a positive audience like yourself motivates me to continue :)
Dear people who have paid a debt but are still being pursued for it: if you pay the original people AFTER it goes to collections, the collections company is not informed. You have to call the people you paid and demand they send notice to the collections company that you are paid up and to take you off the collections list. I worked for an “original” company like that. I was just a minion but the policy was we didn’t bother telling collections until you made us (just by requesting).
38 min +/- a bit of time:
The calmest smack down hahaha
Love the younger people on the show!
I like your channel a lot. This very useful advise. I was wondering if anyone knows of a similar channel focused on Europe.
I love the format of your show
Thank you so much!
Great idea to sell the car.
irrevocable protects against third parties though
What do you mean?
@@itsRomainFaure Because the revocable trust can be changed and assets transferred into and out of the trust, it provides no asset protection. Essentially, if the owner/grantor can access the assets of the trust, then so can creditors.
But don’t give them your contact info or confirm address etc…or they’ll restart the collections and bugging you all over again
I am only a few years older than him and what he's got in savings is less than what someone starting with nothing is expected to have saved for retirement by this age.
Correct.
My favorite youtuber,,,i love your accent😅
Romain: how do your choose your candidates ?
I have a phone discussion with them before coming to the show to understand their intention and if they are in the mentality to take action :)
@@itsRomainFaure How do you make the initial contact? I’d love for you to meet with my daughter. She lives in Seattle. She’s ready to take better control.
@@charq52 I am currently in Las Vegas right now if she wants to make the trip - my email is Romainfaurechannel@gmail.com
@@itsRomainFaure I'll be speaking with her soon (we don't live in the same place) and I'll pass this along. Thank you.
@romain what hysa do you use? I’m trying to get that 5.5% instead of 4.6% with SOFI
I have a couple ones - Wealthfront has it at 5.5% send me an email and I can send you a link 😀 Romainfaurechannel@gmail.com
5.5% HYSA? Where? Most want 5000 deposit to start with 4.1 to 4.4. The accounts that pay 5.5 you have to put in 25k within 30 days of opening. Not to be argumentative! If you know of a 5.5 account please clue me in!!
M1 finance has 5% no minimum and I'm pretty sure it's free now
@@nickcs2x592 thanks I'll look into it. I remember last year there was a 95 / year fee on M1 so I sort of stopped looking at them. I'll see if its still there. No 5.5 but respectable.
@@nickcs2x592 5k minimum for the 5% rate....still looking into the other details but this looks solid
HE IS NOT MAKING 50K
THAT WOULD BE WORKING AND MAKING THAT HOURLY RATE FULLTIME
WE WORRY ABOUT CREDIT SCORE WHILE THE GOVERNMENT OWES TRILLIONS, BULLSHIT
EXCELLENT VIDEO BTW
Video Number 62! 🎉❤
You are on it 😀
Went to school with Jon!
Oh wow - what a small world :)
Looks like he has a definite income issue!
This dude is asleep at the wheel. He has zero ambition or drive. Almost as if he smokes weed all day. This is how people who smoke weed all day act.
Someone should make another financial audit channel. I don’t think there’s enough caleb hammers on youtube
Watch the video first Kevin ...
Romain is much much better
I don't get this comment. Both Romain and Caleb offer advice in their own ways. I really like Romain bc of how calmly he speaks and how he genuinely tries to educate people.
Caleb is good but Romain is better. I get tired of the screaming and swearing that Caleb does. Caleb sincerely cares about his guests but his approach is a bit over the top. Romain is respectful and calm.
@@TLA123y6f it’s for clicks lol. It’s all an act
You don’t apologise for their deaths, that means you were responsible for them, you say you’re sorry
Noted
@@itsRomainFaure it’s an old joke at a funeral, I’m sorry for your loss = ok, I apologise = responsible. Also never say good morning (mourning) at a funeral :-) Love you man my French is more merde than your English
He is a good reason not to allow people not to pay their student loans.
I hope the guest get it together and listen to the Host: the guest needs to take this life serious. Being in his situation, how can he even contemplate having a significant other? Hopefully he focus on making money: then consider having a woman friend. By next year, I predict this channel will have about 300,000 subscribers!🕍🕌