Incel Loser Forcefully Cucked By Wife | Financial Audit
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- Опубліковано 19 лип 2024
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Chapters:
00:00 Job and income
06:05 So what's with the Ex
09:19 Let's talk about your idiocy instead
11:41 Equity Multiple
16:10 You're joking...
21:00 You f*ckd yourself bro
27:00 You can't blame it on her!
33:06 Budgeting course
33:59 I rage for you!
37:30 In what world does this WORK?!
44:47 Interesting mortgage...
54:50 Here's your damage, pal
57:01 You need a budget so badly
59:30 He is SO underwater
59:55 Hi Yield Savings
1:05:19 You may need to sell...
1:15:02 Hammer Financial Score
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These titles are getting out of control 💀
Right lol
This titles defo gonna be different in an hour
And you fed right into the bait for engagement. Congratulations, you played yourself...
@@anon556 I figure the wilder the titles the more boring the content. But I have to find out for myself what forcefully cucked means.
@@anon556 awesome. What's your point?
Caleb, this dude was already broken. I don't think he needed tough love. He just needed love.
Love doesn't kick him in gear. Being soft isn't always the answer
@@28cthedestroyerhe is going to off himself without hope or love. Your philosophy is cringe.
He was relatively calm. And he told him that he genuinely likes him and respects his self-awareness. And therefore is mad at his him hurting debt. This was probably the nicest thing this guy has heard since forever.
@theskyizblue2day431 don't go on a show that gives you tough love if you don't want tough love. It's not very hard to figure that ou5
@@nomadic_orthodox I think by the end Caleb was calm. And I'm not trying to be overly critical of Caleb, more just my evaluation of Casey. I felt like his attitude warrants a different volume of conversation than the "IT's nOT tHaT bAd" people.
You gotta chill with these video titles. You're turning this channel into clickbait and unnecessarily humiliating people who are already down.
Calm the hell down. If you haven't noticed this is also a comedic show. He had hans kim on for christ sakes. You don't like the title then dont click on it
He has said the contestants help come up with the title of their own video.
One the best parts 😂😂
You do know that the guests have to approve the titles don’t you?
@@brenttompkins6335Don’t be a little bitch
I'm so hardened by Caleb's usual spoiled, delusional, clout chasing guests, but this guy truly broke my heart. He seems like such a good guy, just beaten down. Wish him all the best!!!
I'm inclined to agree. He realizes where he's went wrong for the most part.
Seems like a lovely guy, just having a tough time😢
We don't know him like she does. I imagine there is a good reason. 😮
Him selling his house that he pays 500 a month total to live in is not an option, because there is no way he can live that cheap even with an extra 1000 a month
Agreed. Even with all his problems that house gives him a path towards a better future than most people his age.
Agree, keep the house if he can. If he can get his dad moved out of his home, maybe he could then rent a room to somebody. Even $250 a month would really help him. I know he really wants his house back. His living expenses are going to go up if/when his dad moves out and isn’t covering utilities. On the other hand, he’ll be more comfortable cooking at home without his dad around and could save a lot if he stops eating out and grabbing snacks and drinks on the run.
I swear he said he was putting $100/week into his retirement when Caleb was doing the financial score. 1:15:30 Pausing that alone for a couple of months could get him rolling and stay in the house
@@jenniferdugas32 I’m surprised Caleb didn’t advise him to pause saving for retirement until he gets his debt cleaned up.
I think we are distracted by the low price but don't realize why it's low (lack of job opportunities around). The poor guy ran his cars into the ground doing delivery for other towns 40mins away
One of the only guests who was able to say what their job and income was without going into a long rambling story about how they were born in a log cabin in 1963 and his dad wasn't around for his birth because he got stuck in traffic so his mom always resented his dad for that, and so that's why he now has $535,000 of car debt.
LMAO
lmao the accuracy though
I swear this is why I’m struggling in life ….
Dad getting stuck in traffic was a generational curse 💀
He is paying 530 per month on a mortgage, and Caleb suggests him to sell it….that shouldn’t even be an option
He's paying 4000 a month before going out for any hobbies or activities. Wish there was a better option for this man because that's a killer payment
I know it’s tough love, but you said you genuinely liked the guy. Why are we calling him an incel loser? That’s just a low blow
After the show, him and his guess talk about the title of the video/thumbnail and if they are fine with it they make crazy video titles like this
Aren’t most all of the titles “low blows”? That’s kinda the point! 😂
Don’t forget the that the guests do get a say and veto power over titles
@@jswords1977 Well yes, but usually I kinda see where they come from. Where is this guy an incel though?
Feel horrible for this guy. Please keep in touch with him. He needs your help
I feel really bad for this guy. It’s obvious he has been hit very hard by depression and trauma of his own, you can see it. I hope he gets on the right path and has a better life soon
Really rooting for his future comeback
He definitely seems like he’s emotionally drained for sure. He’s been through so much and it’s probably affecting him more than he may realize. The poor financial decisions make a lot of sense if that’s the case
@@jensgronning4436 I'm pretty sure that the team gets permission from the participants.
@jensgronning4436, Dude, the guest gets a veto on the title lmao. They’ve said it several times that if the guest doesn’t approve of the title, they pick another one.
He looks miserable
can we just acknowledge the fact that this is the 1st time in AWHILE where we had a straight answer to income AND hours worked on average within 10 seconds. WOOO! no crazy long, unnecessary info filled, vague story
It was a relief!
@@maureenviola miracles do happen!
I am not a fan of the titles and thumbnails. They are not respectful to the person on the show. Please show respect in the future.
Holy fuck how many fucking times does it need to be explained that the guest approves the title and thumbnail?
@@dancharethey change the title like 4+ times within the first hour, you're telling me they had 4+ titles ready to go and got approval from the guest for every single one? the titles just feel slimey and, for this guest in particular who seems to already have a horrible self esteem, super uncalled for
I am a mechanic and the problem that he is referring to on the dodge charger is a very common problem on 3.6 v6 chrysler products. It is a leaking oil cooler. The part is 300$ and maybe 4 hours of labor.
If he looks on rock auto it may be cheaper
I wonder if you could reduce a lot of the car debt with some reasonable repairs to make them sellable
I actually have the part already, it's just the issue being I broke more things in taking the old one off. Random vacuum line just shattered it was so brittle, then 3 of the 6 fuel injectors broke bc of that double locking plastic bullshit. Eventually I'm gonna get the stuff to replace that all with and just get out from under it 😬 but as for now I'm focusing on smaller accounts to lessen my monthlies
@@MegaGoocherrock auto is a life saver
@@MegaGoocherthat name ⚰️
i don’t think it’s fair to call him an incel just because he was being emotionally and financially abused by some bpd nightmare
we only hear one side of the story. so we don't know
By definition.
@@sedmidivka i don’t think the best p.r. person in the world could spin threatening to kill yourself unless you get what you want into a sympathetic story
Remember the person is always in on the title
It’s got Noah written all over it. LoL
Caleb, you have to learn when to be hard on these guys and when to support them. This guy needed encouragement
💯
So calling him an incel loser and saying his wife forcefully cucked him is not being supportive? 🤣
Jesus, that title was brutal and for no reason.
I legit listened to the whole episode and thought there would be an explanation as to why it was titled that way. The guest wasn't even that frustrating either.
I would think about your titles prior to posting. Bad optics when everyone has been giving you feedback that the titles / thumbnails have been weird lately.
The title is brutal but accurate. He married this woman who he never once slept with while she used him as her own personal bank. To think she wasn't doing stuff behind his back is delusional.
That doesn't make titles like this okay. Anyone who thinks it does needs to grow up and get some human decency.@@Atrus999
@@Atrus999It's not accurate. One shitty marriage where the nutter doesn't put out doesn't make you an incel.
It's accurate though. The ex never slept with him and made him buy all this random shit and go into debt for her. eg the Dodge Charger.
Caleb may be autistic... He's so out of touch sometimes. I can't imagine these insane titles are actually helping the channel.
Relax on the title dude, how can I show this to someone without them thinking I’m the weird one
That is an excellent point.
Fr, everytime I want to share the videos with my family or a friend I stop myself because of the title & thumbnails
Title makes it look like incel propaganda trash.
@@Emily.J. Whoever is doing this (probably Noah or someone under his direction) should think about the exponential exposure in producing thumbnails/titles that straddle the line between intriguing/interesting & to the lesser form of click-baity/offensive. Kinda like you get more of an audience when you can draw whole families into a movie vs. a select few who can mitigate / handle / tolerate the more extreme formats with a higher restriction rating. Very, very shortsighted.
Yup I haven’t shared any since the titles have been off the wall.
The clickbait titles and pictures don’t do anything for me, I watch for the content. Maybe it is effective at bringing new people in, but I think for those of us who have been watching for a while I almost feel bad clicking on it. Lol
As a relatively new watcher, I previously avoided this content specifically because of the thumbnails in particular, though the titles weren't much better. The only reason I gave it a chance was because my partner recommended it to me with a disclaimer about the titles and thumbnails
Who clicks based on thumbnails? I read
I always scroll the screen all the way up just so anyone walking by me doesn't see the titles and ask wtf am I watching lol
agreed
Agreed. I think he’s trying to reach out to a younger crowd with these kind of titles but he has enough subscribers now where the channel can be a bit more serious. Maybe leave the humiliation for TikTok views or something
Caleb you can’t call yourself a good dude and use titles like that. C’mon man have some decency.
He has been texting the guests and asking for permission first
He don't set em
I think it’s his weird producer doing it. The guy gives me the creeps.
@@cait.I really like this show, but the titles are horrible
@@NeeshaSaurusRexhe has said the contestants help come up with the video title
I really wish people would quit saying "I paid down debt by consolidating" because NO... you in fact did NOT pay ANYTHING down you just paid one debt with another debt!!! STOP IT!
Thats not necessarily untrue, though - depending on your restructuring terms, with a dropped interest rate and /or monthly payment, you could eat into the principle much deeper and faster, lowering your overall repayment amount and timeline.
I will only find it acceptable if they also close the credit card afterwards so they can't rack it back up again
Except consolidating to a 0% APR quite literally saves on debt costs lmao.
@@jin394 do NOT close credit cards, just stick it in a drawer and make a transaction like twice a year. Closing a credit card can/will lower your credit score by dunking the average age of account, utilization ratio, and credit pool
@@sdm1568 This! This is a perfect example of how bank marketing using social media is ruining people financially. You can make it sound as fancy and smart as you want. Consolidating is simply transferring one debt to another debt. You ARE NOT paying off any debt.
Can’t wait for this title to be changed 3-4 times over the next hour lol
edit: the ONE TIME I comment this, the title stays the same. Caleb, are you trolling me?
and the thumbnail
same, caleb pls lmao
This title is WILD
“Incel Loser is Forcibly Cucked By Wife” in case that happens and folks are curious of the original title
All hail the algorithm
Thinks he doesn’t fit the demographic for a charger….but he fits right in actually. Low credit score, high interest rate, behind on payments, and under water
Whats a charger?
@@NeptuneKnivesA Dodge Charger … it’s a car
@@NeptuneKnives it is a car. Called a dodge charger
Usually it’s turds driving it tho
I have to admit it's ironic he has charged up his credit card debt and drove a "charger".
I'm sorry, but Caleb, Casey here is a mature, polite, and pleasant guest. Can you not treat him like he's one of the teenagers you recently have had to yell at? I don't think the aggressive, humiliating approach was needed for this guest. I feel you only attack your guests because it attracts views and not because it is an effective tactic for your guests. Please remember that your goal is to help your guests first and to entertain the audience second.
I agree! Casey was such a genuine soul, my heart broke for him ❤️🩹 even when Caleb was making jokes, he would just stay quiet & respectful
THIS
Agreed. I've been watching since the beginning, and Caleb's attitude towards people has been SO aggressive amd condescending, lately. Not to mention, the titles? I get that he has to play the UA-cam game, but damn. I don't like where this is headed.
this guy married a girl who finically manipulated him and didn't have sex with him this guy has to be yelled at for being a moron for his own good.
Wish there was more votes on this! This guest had the awareness, wasn’t entitled and was genuinely there to figure out a way to get out the mountain of debt he has
That sonata that he has that he said has the engine issue literally has a lifetime warranty on the engine. All he has to do is take it to a Hyundai dealership and tell them it's been burning oil between oil changes and now it's locked up. The engine will get replaced for free. Hyundai service manager here for years. We do about 60 of those engines a month.
And even though this guy is a complete idiot, if he reaches out to me on here I will give him my email and I'll explain to him exactly what he needs to do. Just throwing it out there in case
That’s not the one bro
This is the first person on this show I really felt emotional for.
He seems very genuine and overwhelmed to the point of burying his head in the depression sand.
He needs to get away from toxic dad I think.
The police dispatcher was the biggest one for me
@@joesak1997when was that released
@@ghostie5916 "I've Never Encountered This Before" from 6 months ago
Casey- if youre reading comments - please take Calebs suggestion and find that hour a week to go to therapy. I was so broken, so defeated, and so used a year ago. Therapy really helped me climb out of the emotional depths of hell I was in. It then further helped me in so many ways. I checked out and just swiped through life, I didnt care because there was no end in sight. There is. You made a huge step in reaching out for help. Keep making these steps. You have so many internet strangers rooting for you.
Don't recommend that scam to this man. It won't help his life.
@@TheLastCintherapy is not a scam
@@ericar.6370 Yes it is
Do you think your comment is enough for a person to go to therapy just because it worked for you? Therapy is for the weak who want another person to tell them the solution to their life because they are too lazy to think for themselves, with what position do you come to write being a life saved?
Not everyone can afford therapy though
I don't know, Caleb's videos these days just feel dramatic, over the top and overall trying to shame whoever who comes to his show. Gone are the days where i find his videos actually helpful and him being authentic.
Edit:typo
I agree, the titles are quite clickbaity and actually turn me off towards watching
Agreed. I feel like his show changed when the new producer showed up. He seems immature. The thumbnails and titles are childish.
Yea, he will complain about certain things just for the sake of creating drama at this point. Like getting mad about those parents buying kid toys on Amazon
I really hope this guy heals. He's very humble, kind-hearted, and fully aware of his environment and his own personality. I truly hope he finds another woman who can treat him well and give him the emotional support he deserves. Wishing the best for this guy.
good guy but some dudes just simply have a personality to where no women will fall for them. Harsh reality.
He's like the opposite of the bad boy with tattoos who can be a complete loser but win with women.
@@dbased1915it’s true. He’s so sweet and broken. I don’t think he would have the confidence to go after the sweet kind girls that he would need.
And he’s like a walking meal ticket to the vicious terrible ones that are just going to continue to take advantage of him. I feel so bad for this guy. Literally since birth, he has not been loved the way he should’ve been. 😢
This guy seems to have some really low self esteem. Saying things like “I’ll always find a way to fuck things up” “give me a chance and I’ll ruin it”. To all men with low self esteem issues please be cautious of women like his ex. There are narcissistic, abusive woman, who specifically seek out vulnerable men with low self esteem. My poor grandpa ended up with two narcissistic wives due to his vulnerabilities. He was a kind, gracious, compassionate man who wasn’t afraid to cry, but ended up trapped with two narcissists who didn’t want him seeing his grandchildren. You deserve someone who fosters these parts of you, not take advantage of your kindness. ❤️
😔 I feel so bad for this guy, your grandpa and all the people who've had the misfortune of getting into a relationship with a narcissist or someone with untreated BPD.
That was annoying to me, but hopefully he gets help.
Yup abusers go looking for these type of ppl.
Poor guy. He is coming out of his depressed stupor. He is on the road to recovery.
You haven't heard her side of the relationship.
@@danielrn133 fuck her side of the story
We don't need to. He's owning his shit. Who cares about the other story? At least he wants some type of help. Hopefully the other half is also getting help of her own.
@@danielrn133duh but unless she comments or comes on the show we only have this interview to draw judgements off of
@@maeo316 I get what you're saying. And it's not her fault, but it's not about fault. Even if she was the devil incarnate it's not about her. I think he just isn't equipped to really stand up for himself. The people he trusted lied to him.
1). Rent out a room to a paying roommate.
2). Go ask your current job for a $3 an hour raise.
3). Sell the non working cars.
#2 yeah they'll for sure do that, no prob at all
He could probably ask for more hours at his current job? $20.75/hour is really not bad, especially considering he said door dash only pays $500 for 40 hours a week, and he isn't figuring in maintenance.
Probably upside down on all the car loans with no extra money to pay the remaining balance to even get the lien release so can't even sell it. Lol
Dude's depressed. He needs more than therapy to get out of this. He needs hella supportive friends to boost him up. He won't leave the job because it's safe and known. When you're depressed it's hard to problem solve and compound that with no money, he is perpetually stuck. I'm not sure he could save money to move.
💯 accurate
My man, I’ve been faithless for 20 years but you’re about to drive me toward church with these titles
God callin' you 😅
the Lord works in mysterious ways
I gotta go to confession for reading them... I ain't even Catholic, that's how bad they are.
Welcome home, brother.
The people at church are just as nasty... except they hide and repress it
We need a buzz feed quiz for "what's your caleb hammer title?"
Omgggg 💀
THIS
That would be wild 😂
Mine: anxious bish goes to TJMaxx everyday for her BS number 1537.
Hilarious 💀
Bruh tone it down with the titles. Not a good look, as much as you think it drives more views.
He can’t leave his town. He has to go bankrupt, keep his house and one car, stop doordashing so much, and get more sleep and house repair time. I wish him well.
For someone that preaches the importance of mental health, Caleb doesn’t really understand how badly it can affect people. Disassociating from everything is clearly a response to a lifetime of trauma.
The bank, the government and the financial institutions do not care if you have mental disorders.
Mental health is not important, many people will continue to have mental problems and live day to day, you will never have your fantasy world where all the "mentally ill" are locked up in custody.
Surely you are one of those who believe that everyone needs "therapscam" when life is more difficult than simply solving everything with people talking to us.
@@nijjaz6532 that’s not really the point here 😆 obviously there’s no mercy there for that. But within Caleb’s conversations he constantly pushes for answers that these people with very clear mental hardship are not capable of giving. For example this man’s relationship with his family.
I’ve done this. Especially with my finances. You go on auto pilot almost. And it’s a shitty cycle.
He understands as well as the rest of us, EVERY gets it. The issue is accepting it as an excuse or not. You can be depressed, but that is no excuse to rack up debt and ruin yourself. There is no such thing as a depression that literally stops you from paying debt and making large purchases. I understand it is difficult, but it IS an excuse. You cant just CLAIM to be depressed, and be excused of every action. And people online do this incessantly. One person says "They don't understand depression" and a bunch of people who also made a string of bad decisions go "Yeah! me to!". There is a serious bandwagon effect to online depression.
He needs to calculate his per hour earnings for door dash. I suspect it is less than ten dollars an hour. He makes about $600 a week doing 30 hours. Subtract $100 for taxes. $150 for maintained and gas. $50 for sweet treats and taquitos because he is always on the road and can’t eat at home. $100 in extra car payments and interest. So he is working 30 hours for maybe $200 net. If he didn’t do door dash, he could own a $2000 beater car, cook all his meals at home, get sleep, relax and he would feel 100 percent better. He would be better off doing 20 hours at McDonald’s.
My thoughts exactly. Or heck a dollar tree. Anywhere really.
Especially since those 30-40hrs...how many of them are waiting for an order to come in? Not including the commute to a whole other town/city to do them in.
You're completely correct, I've seen more people on here upgrade their car to do doordash to earn extra money and it's backwards. You're driving more to pay for the car that was supposed to give you extra money.
He needs to see this! Bump! DoorDash makes money in arbitrage which is essentially extraction by blurryig the lines on what really comes in!
Totally agree, this man needs sleep and rest so he can heal.
Well he won’t pay taxes so that’s a little extra
Paid off a $1500 loan today, and by the end of this week I’ll have zero credit card balances 💪 thanks for the motivation
Good job!
Man he has been through so much trauma I can't even imagine what it's like.
He seems like a good person, very self aware. Wish him nothing but success.
I feel very bad for this guy. He seems so sad and broken. I am pulling for him.
Dudes been through it.
35 seconds into the video we know his job, his hours, his income (both hourly and yearly). Geez!
A straight up answer. That’s the first in awhile. Lmfao.
Right? The guy deserves credit just for that, damn
But his replies about his marriage, separation & divorce settlements are so vague & all over the map. He still hasn't cleaned up his finances to operate as a single for the future!!
That's what happens when men discuss things. I get the entertainment aspect but sometimes it gets old waiting 15-20 minutes into the episode to finally get to the episode, you know after a quarter hour's worth of background lore and gossip.
@@jaredtandle2596"when men discuss things" 🙄 ya because there's no men on this show who ramble and can't give a straight answer. you just hate women
He really shouldn't sell the house. He took advantage of first time home buyer programs that he can't have again. His mortgage is also very manageable. Bankruptcy is the better option and it's likely he would keep the house and one of the cars.
This episode was a much needed change. He is a genuinely nice guy. No stupid excuses, no insane explanations, just very down to earth guy. For the first time in weeks I didn't feel like smacking the guest. I really hope for the best for him.
This man being content and happy with his job is so wholesome. You just don’t find that anymore ❤
Financial Mutant humiliates man
hahah, get BRAIN in here!
@@CalebHammer BRAIN The Money Guy 😂😂😂
You really are an insufferable human being. @@CalebHammer
This was the title before I am dead😂😂😂😂
@CalebHammer caleb gives brain to incel
The thing that really strikes me is how sad he is when the camera cuts to him. I’m sure he is so regretful for these purchases, but what a shame for such a nice guy to go through this.
He better not sell the house. He will not find a better deal to rent. File for bankruptcy and let the extra cars go. Keep the house no matter what.
*Re-reads title, double checks website name*
Yup this is the right website
I chuckled.
What website?
* Unzips *
@@nickwcc9202 I cuckled
@@SoloSanguineayooooo 😂
27:50 I think that's the depression. Dude is floating by, aware just enough to be further depressed but without the motivation / hope to make positive changes.
Why isn’t the advise stop door dash and pick up another $20 hour job, and cut up cards but consolidate. The more I watch this channel the less I think it is really helpful
I agree with your plan. Door Dash doesn't make net money after car appreciation in a lot of geographies
Selling the house is also bad advice.
@@ericar.6370bankruptcy and keeping the house is better advice
He doesn’t even explain how to handle money. They guy clearly doesn’t know anything about debt, he recently put debt on a cc with 100% credit rate, explain how it works to him!!!!!
I love how Caleb claims he is sensitive about mental health then absolutely runs people in the ground in the thumbnails and video titles where literally millions of people see them in shame without any context.
After every show he talks with the guest about title/thumbnail ideas and whether they are down for something like that. He gets their consent first
I love how he mentions constantly the guests get final say on the videos titles and thumbnails.
@@23kurtzy never heard this but damn big if true
@@cengiztaner4754 jesus fucking christ dude it's mentioned all the time.
@@danchare when bro? give me a timestamp from any video. even so, you can imagine how abuse this is as you can't say no to the person who is helping you with finances and he gets to abuse you and make money out of mocking you.
He's a caretaker Caleb. People who had a traumatic childhood tend to either be a caretaker, or someone who takes advantage of caretakers.
Tell me more, please.
These vids are borderline addictive. Monday had me check the community tab to make sure I wasn't crazy. Happy we're back and happy everyone got to rest.
It’s our sweet treat
They’re 100% addictive. I never miss one. It’s the only show I watch religiously.
@@ruberteberton2770 For sure!
Insane that he is so set on working his current position and DoorDash when, in his own words, the amount of driving he has to do has "driven two cars into the ground". If he makes $25k/year on DoorDash, he would still not have made enough to pay off the two cars he's already burned out to do the job, let alone the car on which he currently relies.
When Caleb says "are you accounting for depreciation? are you accounting for maintenance?" this is EXACTLY what he means.
There is a chance that his 2016 Hyundai was part of the recall for bad engines (he talks about it burning a ton of oil). Even if he wasn’t the first owner, it’s worth looking in to.
Caleb's reaction to hearing someone threatening suicid3 to gain more from their partner makes me so shook. Like whoa, there's people in this world that haven't met a master manipulator/narcissist
Ikr that was the way my hubby got me to marry him. Hasn’t done it since thankfully but that just shows it was fake. He got what he wanted out of me and now he knows that him dying would only benefit the family lol so it’s not a card he can use.
I was hoping you were gonna say you left. If you know that's what he did leave. Like holy crap @@treesoul00
@@treesoul00that is SUCH a strange thing to say out loud in a comments section.
@@treesoul00 Dear lord, you both need help.
same!
My man, you look defeated. I completely understand and have been in a similar situation. “Finances are a symptom of the problem”. I feel that you’ll make progress when you push yourself like I am attempting right now.
As a therapist, I can promise you, body longevity has VERY little to do with whether or not you do physical labor or otherwise. I know people who have sat behind a desk for mostbof their careers who are beyond fkd. Dont be quick to think that hard labor is going to destroy anybody. Doing hard labor, without proper form will destroy. PSA. Take care of yourselves. Dont for get to breathe from the diaphragm, not your chest.
this guy is broken from the inside
he needs a fund raiser, never felt bad for someone on your show other than him
The more I watch these, the more I’m convinced he should have a therapist on staff.
I LOVE the "if you would've invested your car payments" graph!!! This is a super effective thing for them to see. You guys should consider doing this for their taquitos of choice. Like ~sweet treats~ or eating out or gems
Agree, we need more of this. It was eye opening for the guest. It’s very illustrative of how dumb debt is, especially car debt. And it effectively shows how starting investing in your 20s is huge - you don’t even have to siphon off very much of your income if you just start early.
I have been trying to get this through to my oldest son!
This is for the people who say "what's the point in investing/saving/not spending? I'll never attain X anyways"
But it's also kinda driving a dagger into someone that's already hurting /: seeing what their life won't be like in the next 6 years in his case. Like he can't reverse his choices of debt so why show him what he could have had
@@sk6i75odk He needs motivation to stop shuffling his debt around. He needs to get rid of the extra cars and their insurance payments. He needs to stop using credit cards. Close all the accounts, cut up the cards, cash or debit or Fizz card only. It’s not kicking him while he’s down, it’s meant to show him how he could turn his life around. He’s in his 20s, it’s not too late for him to make changes.
if you're reading this Casey there is a better life for you, one with more rest and less debt. take care of yourself man
Caleb your watchers love you for you, and your kind but direct nature… these titles are gonna fuck up your credibility, what you’re doing here was so desperately needed. I hope to see the channel garner new users who need your help. I wouldn’t have clicked with that title, without knowing your content. Just honest feedback xoxo
I missed having my sweet treat on Monday, Caleb. Hope everyone enjoyed the holiday off!
SWEET TREAT IS BACK
I posted on the post show too - let the guy know if that sonata has engine problems to get it to a dealer, the manufacturer is warrantying those engines almost without question. Worth getting it looked at and quite possibly fixed for free!
Truthgasm. I got a brand new engine for free after 90k miles when mine spun a rod.
I hope he sees this he needs to call up the closest dealer with his vin and really press on seeing if there is a recall for that engine.
As someone who is also known to immediately crash after work: Take note of when your paycheck comes in and pay the credit cards etc on your next break at work after it comes in, probably your lunch, or pay it after you finish/before you go home sit down in the staffroom or in your car and only once its paid do you go home. But also get that trauma checked out, mate; it'll change your life
He's working so many hours, he got fucked over by a bad relationship that cost him a fortune, he's so open to guidance, he just looks so SAD. This guy really needed a hug and more encouragement!
Even though he needs to take responsibility, he just looks so sad and genuinely defeated 😔
I think it is sad that he has such an awful relationship with his parents/grandparents, where are his biological parents?
I don't think I mind this guy that much but he got slapped with maybe the worst title in financial audit history lmao
I would honestly rather be in the other incels situation than this guys. No women better than this guys woman. Damn bro
Yeah being incel'd by BPD wife that you commited to life with in front of God is not the same as a pizza face "sigma male" strip club patron like last dude.
Why does he do this to his guests. These video titles are horrific and cruel! Talk about exploiting people and humiliating them for personal gain. What is the story with this Caleb guy?
This title is fucking crazy what is wrong with yall
I really like this guy - no justifications, ownership and self awareness he was not managing his finances. I really really hope he does well. You are worth it ❤
You need to have something on the screen that STAYS THERE the entire video that continues to grow as the debt total grows. Hard to keep track of exactly how much debt there is in these videos if you don’t display it
I agree - PLEASE!!!!
Yes please !!!
Just logged into my UA-cam to say/post this. Lol
Oh man. This guy is breaking me heart…..I have felt this kind of deep seated apathy where you can’t see ANY light at the end of the tunnel. Keep on fighting on.
GUYS!! Who you marry is a financial decision as well.
The one epsiode I hope for a successful check-up.
Good luck, man! This is gonna be hard but you got this, let us all stand together and we all will help you through this. Every small little change helps as long as it is positive to you and your overall future.
Love this channel but are video titles like this still necessary at 1.2M subs? I know you tell the guests to expect it but still...
No reason for these titles. They’re getting raunchy. You can tell that he’s been through a lot and he’s been through some serious depression. I’d be pissed if I went on your show and saw a title like that even though yes I gave you permission to be an a$$ to me during the filming. But it doesn’t justify a title like that. Come on Caleb you’re better than that. And now you guys have change the title again this one is no better. It’s juvenile actually.
He is slowly changing in my opinion and not for the good
@@sandyimageart1598 yeah I’m starting to not care for this channel honestly. Give me a bad taste this thumbnails are getting ridiculous and these titles are awful. No reason for that. And I know it’s not exactly him it’s the person they hired to handle all of this stuff, but he really needs to stop with the shock value because that’s not making him look good at all
The guest APPROVE of the thumbnail and know about it!!
@@carnettawilliams9013
Do you seriously think that this guy wouldn't approve this idiotic title? He's goddamn depressed and seemingly hates himself based on what he is saying in this video! Caleb needs to show these people more respect than they give to themselves, at least for guys like this.
Six months is such a short period to know someone and get married these days
That’s how you end up married to a narcissist. They get you hooked and locked in early.
@Britt4880 that's exactly how my ex was. We got married after THREE months...it was overall a horrible marriage and we divorced two years later because he was cheating and wanted to marry them. I'm much more careful these days! Lol
I like the graphs and visual aids that you've been showing in recent videos. Seeing how interest compounds overtime is super helpful, especially for those who were never taught how interest works.
This guy just needs a break. It seems like all of his reckless BS spending is a coping mechanism for the rest of his life. I really hope he can pull himself out of it, and start living a happier, relatively stress-free life. 🙏
I cannot figure out the logic of so many guests to buy another car when yours breaks down.
His oil filter repair would have been around 600 or 700 bucks and he instead decided to borrow 20k instead? I just dont understand the thinking.
It is the same when someone needs new tires and instead of buying tires they trade the car in for a new car! Nuts!
I have a friend who traded in her car, then LEASED a 2024 of the same model, is now paying $70 more per month (over $500) because the last car "needed new tired and was out of fluids." I almost had an aneurysm. Sent her an old episode with someone close to her age, but I feel obligated to get her to watch this.
My mom is the same way! She keeps telling me and my sister that she needs to get a second car just in case her current car breaks down. But we keep trying to drill into her that that’s fkn stupid and she should just save whatever she’d spend on a second car in an emergency fund. THEN, if the car breaks down, she can just FIX IT. 🤦🏼♀️
@@MoneyMindsetCoach3 I was literally about to reply with this comment. I drive an 07 Lexus with 80k miles and the idea of trying to get into another vehicle just because it needs a minor repair is INSANE to me.
I think peer pressure, maybe. My daughter paid $1250 to replace the clutch in her 2007 Civic and people tell her that she should have purchased a new car. I don't get it. This one is still cheaper to own. There is no loan.
For those who have never experienced it, this is what male depression looks like. You wont notice it if you see this guy on the street, but its apparent the moment you dig in a little.
DO NOT SELL YOUR HOME. Stop eating out. I sleep like 4 or 5 hrs. and still function.
Man, 15 minutes in and I'm rooting for this guy. Thus far he is not combative, seems to want the help, and doesn't seem to deflect away from his mistakes.
Hope he comes back with a good update in the future.
I am genuinely rooting for this guy. I really hope things get better...he made some mistakes while in a bad place. He deserves a chance to fix his mistakes and be happy ❤
I wouldn’t sell the house, I don’t think he’s be able to get another.
Not that amount per month. Am wondering about the condition of the place, if anything goes wrong he has no money to fix it
Agree
That was TERRIBLE advice!
Door dash and other jobs that use your car isn't a good idea because of depreciation, gas, tires and wear and tear.
especially when you live in the middle of nowhere and have to drive 45min just to get to a town that has door dash
This guy seems to definitely be struggling, I hope he can get his life turned around, good luck 😊
Bro wasn’t even hitting and she still drained him. Impressive
💀 frfr.
ooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooof
Worst deal in the history of deals.
I watch my site do this to men ALL THE TIME but she is very up front about it. It literally disgusts me from both parties.
@@PhotoJeticPoet Your site? Huh?Sister?
Bro imagine going on the show and getting hit with this title afterwards
dw it's not at all inaccurate 😂
They already know and give consent like 500x to the process :)
@@CalebHammer that's a relief, the titles are so unhinged sometimes they're kind of upsetting and it's freaked me out about attending. I know y'all are nice folks so I didn't necessarily think you were throwing them under the bus *without* there consent 😅 but without knowing we don't know lol
@@CalebHammer Why don't you just start a financial dom service since so many people agree to being degraded like this. They're human beings! They deserve to be treated like... Wait...
Good catch @@adammiller9029
Hope dude sees this. This is what I would do if I were him.
-He said he's got 100 bucks a week going into retirement. I'd cut that out rn. He needs that money. That action alone would have him breaking even on money and actually have an extra $100ish in the budget.
-Then I would sell any unnecessary stuff in the house. Couch is going on FB marketplace, TV going on FB marketplace. Any unnecessary clothes, shoes etc are being sold if they can be. All this money stacked to attack his smaller debts so he can mimize those payments.
-He needs to talk to his uncles/brother. Dad has got to go. He needs a roommate in that house now.
-In his free time I wouldn't be getting a third job. He should do calculations on what he's actually making on doordash when he factors in gas costs. And with that I would be searching for a substitute second job that makes more. Doordashing may be worth it moneywise but I just have a feeling it's not if he did those calculations. IN all those restaurants that he's doordashing at I would see walk in and see who's hiring and what they're paying. This can also help him on food costs bc working in kitchens you usually get at least one free meal a day. It depends on the place but again that could make that $300 grocery bill lighter. (just remembered bro works at a grocery store. Not sure how it works in Oklahoma but he might be getting deals on groceries, he should definitely be taking advantage and pay attention to when things are on sale)
-Obviously cut up and cancel all those credit cards. He can't use them anymore. This should be number one tbh
- He might be able to take a loan from himself on that retirement account. It's only 5k but he should be able to loan himself like 1k of it. Not ideal, but depending on the rate, it might be worth it to take the loan of himself and pay HIMSELF back on that retirement account to help kill off those smaller debts and minimize those monthly payments further.
-Those cars cannot sit on the lot. I would do calculations to see how much he'd be in the hole if he sold vs repaired each car and compare them to each other. It might be worth it to keep one of the old cars and sell the newest one.
There's obviously other stuff to do like talking to the lenders about insurance, talking to his boss about a possible raise or overtime, etc. etc. He's in hole rn but this is not hopeless. If you're reading this I am rooting for you and I really think you can get out of this.
Realy good advices! Lets hope they see your comment.😊
Caleb's impression of Dave Ramsey at 19:20 = 8/10
😅
Minus the jesus gibberish
It was a good one
This is sad, I’m a year younger and went thru the same thing. Know your worth brother, don’t waste time on chicks whose standards are for men they don’t want to attract. In other words, we see them as an angel when they’re self absorbed
"Chicks"? 🤔
@@MPPG663it’s a casual slang for women.
@@MPPG663he meant to say 304s
@@MPPG663the advice is correct no matter what word he uses to refer to women
He reminds me of a friend of mine. Such low self esteem he was on a path of self destruction. He really needs to lean on his friends to give him some hope and any self esteem boost he can get. It took my friend years to get fully out of the cycle. We're all rooting for you man!
Honestly, one of the most enjoyable audits so far.
here's obviously something deeper happening to this guy and he might be living an early midlife crisis, but I appreciate his willingness to take the criticism and at least not losing being completely oblivious to the reality of his spending or having ideas of grandure.
Actually, the fact that he just wants to live a very peaceful and quiet life is something I find really respectable about him, especially considering the other people Caleb has had here.
I think if he manages to tighten up his budget, really tackle his debt intelligently and learn how to cook efficiently, he'll be able to pay off his debt through avalanche/snowball method and be able to take less hours at work and in turn feel less burned out.
Good luck buddy.
Y’all as of today I’m 100% credit card debt free!! Now to tackle student loans
That’s awesome not don’t just break even start actually building wealth
Nah let Biden take care of those
Nice work!
@@bc9554depends on the loan. Private no. Also most being forgiven are people that are older. Not younger.
So glad to hear! You've done amazingly well!!
Unpopular opinion, this guy needs to file bankruptcy and start over. If there is any case where that is obvious, it’s this one.
But only if he gets therapy to make sure he doesn't slide back into debt.
Danm, I would never consider bankruptcy, but I agree. In his case it's definitely something to seriously consider.
Unless theees behavioural changes first, then no. Remember the old dude a couple weeks back who was in eye watering debt only several years after declaring bankruptcy? This guy has already tried debt consolidation loans and ended up where he started every single time. He needs to actually make the real changes in terms of his behaviour first to prove bankruptcy wouldn't just land him back at square one.
I feel so bad for this dude because he seems so tired and broken, I genuinely wish the best for him and hope he's able to turn things around. Therapy feels like it would be so valuable for him and I hope he goes down that route soon.
Are you forgetting the part of the video where they talked about the multiple types of debt consolidation he's done so far and how he has wrapped up all his debt again? If he doesn't change anything he will just file for bankruptcy and have massive debt again in a few years.
It doesn't solve the root issue