Gen-Z Scumbag Thinks He’s Better Than Me | Financial Audit

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  • เผยแพร่เมื่อ 24 ธ.ค. 2024

ความคิดเห็น • 2.6K

  • @CalebHammer
    @CalebHammer  3 หลายเดือนก่อน +289

    ▶We bring in his girlfriend into the post-show to confront their combined financial insanity... he gets on her for being bad, but he has hidden all his spending and debt from her... watch here: th-cam.com/channels/Le_q9axMaeTbjN0hy1Z9xA.htmljoin
    ▶Bundle my budgeting program + investing program for 15% off: calebhammer.com/bundle plus get $100 in a cash gift for signing up to start investing!
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    ▶Go to invideo.io/i/CalebHammer and use code CALEBHAMMER50 to get twice the number of video generation credits in your first month!

    • @catherinefullmer983
      @catherinefullmer983 3 หลายเดือนก่อน +17

      I hope you convinced her to do an audit!! Sounds like she needs it…

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +11

      @@catherinefullmer983 we wil;l see ;)

    • @thesprinklebox4841
      @thesprinklebox4841 3 หลายเดือนก่อน

      I knew you were based🤜🏽🤛🏽

    • @faithhoadley6314
      @faithhoadley6314 3 หลายเดือนก่อน +14

      You got me. I've been resisting subscribing but I gotta see this. I canceled my Prime Video subscription to offser the cost in your honour.

    • @robertbrainard5651
      @robertbrainard5651 3 หลายเดือนก่อน +1

      Hey Caleb, i would love to teach you about vaping. Its true that its not healthy but could you stop saying its as bad as smoking. As someone who was a smoker for 9 years and then switched to vaping in 2014, i know more about vaping than you do. I've done the research, i've read about vaping long before i started and its is a lot better than cigarettes, its still not healthy but if you don't use Black market THC pods or liquid some guy from china made, but properly made e-liquid made in the USA, then its ok. I know you were never a smoker on the way you talk about vaping, WTF do you know about something you've never actually researched, you just believe whatever the US "Fake News" journalists and the Government controlled "Scientists" tell you. Lets be perfectly honest, the US government does not care about the Citizen's health or why is health care so expensive ? Why is it when the US sues a Pharmaceutical Business when they kill people for less than what they make from the profit, that's not exactly punishing the business. Of course the US is gonna be against vaping because of one major reason and its not even a surprised, its about MONEY. The US states, make a certain amount of money from Cigarette Companies every year from people dying of lung cancer. If people were to vape and stop damaging their lungs, that money would go away so obviously the US wants to ban something that will stop making them money. Same reason why the US won't ban taxing their citizens even tho the US was created because of ONE Tax but yet we're getting TAXED for everything, including when we die, we get taxed but yet the US still taxes us. They rely on MONEY and that's how they get their money and they'll do whatever it takes to make money so they'll tax you, they'll let you die and they'll let these "businesses" in the US make drugs to help kill us so they can make more money. SO PLZ, stop talking about vaping because you don't know WTF you are talking about and it just pisses me off because i know, but you're using your platform to talk shit about something you don't know.

  • @benstanfill363
    @benstanfill363 3 หลายเดือนก่อน +6138

    $362 dollars left until I’m 100% debt free. I can taste it.

    • @jessemeyer7488
      @jessemeyer7488 3 หลายเดือนก่อน +70

      💪💪💪💪💪

    • @hollanderson
      @hollanderson 3 หลายเดือนก่อน +49

      Good job!

    • @Meditations1776
      @Meditations1776 3 หลายเดือนก่อน +44

      I'll join you soon.

    • @purpurina5663
      @purpurina5663 3 หลายเดือนก่อน +9

      🎉

    • @chriseast4366
      @chriseast4366 3 หลายเดือนก่อน +14

      Woohoo!!!!

  • @Aliceee-z4y
    @Aliceee-z4y 3 หลายเดือนก่อน +263

    Listen…. Did I budget before Caleb hammer? No. Was I actively seeking financial TH-cam? No. Did the stories randomly show up in my feed one day? Yes. Did I start binging all the episodes? Yes. Do I now budget, stop going to the gas station for sweet treats, have financial goals, and closer everyday to financial freedom.
    Caleb is doing the lords work

    • @503Aquatics
      @503Aquatics หลายเดือนก่อน +6

      SAME!!!! 😂 Thank you Caleb

    • @Karinfowl
      @Karinfowl หลายเดือนก่อน +2

      Same!!!

    • @diannesmith5330
      @diannesmith5330 หลายเดือนก่อน +7

      Me tooooo!!! This channel randomly showed in my feed a few days ago and I have been watching ever since. It makes me feel better ONLY being about 1k in debt lol

    • @viableviolet717
      @viableviolet717 หลายเดือนก่อน +3

      This! Im a recovering alcoholic, so my budget before was based around making sure I was drunk all day…led to homelessness and programs…ya da ya…I have no debt but am 24 with no retirement fund…now I have a a budget and am working towards an emergency fund and will reward myself with a car that I will buy (NOT with the EF) in cash and have no payments on…I give huge props to those who have massive debt and get out of it!!! 😊 We can do it!! Caleb was such a happy accident for me in my recovery/life!!

    • @chribourg2317
      @chribourg2317 27 วันที่ผ่านมา +1

      No Taquitos!!!

  • @jcnot9712
    @jcnot9712 3 หลายเดือนก่อน +1937

    Bro went from “I’m financially literate” to “I have no idea” in less than 5 minutes. This show really humbles people lol

    • @peterpan4038
      @peterpan4038 3 หลายเดือนก่อน +27

      Dude was begging for the humbling of a lifetime.

    • @OldManJenkins69
      @OldManJenkins69 3 หลายเดือนก่อน +9

      It's one of my favorite parts 🤣

    • @adamschorsch2358
      @adamschorsch2358 2 หลายเดือนก่อน +1

      ...and then kept maintaining, inbetween cope chuckles, "but I'm financially literate"...

    • @unfazed4days500
      @unfazed4days500 2 หลายเดือนก่อน

      Fr

    • @Padraigp
      @Padraigp 2 หลายเดือนก่อน +1

      I have to count on my fingers but i still know the basics.

  • @stevenwhitley6286
    @stevenwhitley6286 3 หลายเดือนก่อน +314

    11K left! I started around 46K. It's funny when I was in debt I didn't care. Now this 11K feels like a 100K. I can't wait to be out of debt!! Thanks for all your content Caleb.

    • @avril.m.l
      @avril.m.l 2 หลายเดือนก่อน +5

      Did you buy his budgeting program or did you just follow his general advice? I have a little under 20k.

    • @stevenwhitley6286
      @stevenwhitley6286 2 หลายเดือนก่อน

      @avril.m.l I listen to every epoisde and see how crappy it is to be in debt. I just cut way back on my spending, work a ton of hours, and put everything I can on debt. It's working!!!

    • @AmAndA.890
      @AmAndA.890 2 หลายเดือนก่อน

      Good for you!!! Keep going….

    • @Cheesus-Sliced
      @Cheesus-Sliced 2 หลายเดือนก่อน

      ​@@avril.m.lall that said, the value in his program is more about how specifically to cut costs. You can get free meal prep recipes and stuff though, and it doesn't cost you anything to call around and find better deals on your necessities. Even if you don't take the deals, you can ask your current providers for better deals. Talk to refinancers and see if you can get a more competitive rate, then bring that to your current loan provider and try to get them to match to avoid the transfer fees. If you have several different sources of debt, consider consolidation.
      When consolidating or refinancing, its important to pay close attention to all the fees etc as well because they can negate the value of the lower interest rate. Also make sure to look for specific terms like early exit fees, full interest payment clauses etc (some loans have a clause that says if they incur a loss because you pay it off early, you have to make up the loss also). Any debt with these terms should go to the bottom of the list to pay off, just keep paying the agreed amount.

    • @Padraigp
      @Padraigp 2 หลายเดือนก่อน +5

      That is awesome! It seems unsurmountable but youre doing it! And when youre in the clear then you can save 46k too!

  • @notmycircus493
    @notmycircus493 3 หลายเดือนก่อน +224

    Caleb is that dad that's yelling at his kid doing homework "YOU HAVE 7 APPLES!"

  • @stevenschneider2455
    @stevenschneider2455 3 หลายเดือนก่อน +3175

    Guest: I pay my bills.
    He was not, in fact, paying his bills.

    • @sammysleeves33
      @sammysleeves33 3 หลายเดือนก่อน +60

      "I pay my bills"
      ...first credit card has a balance of $10k+, and over the limit 😂

    • @alphamuplays1669
      @alphamuplays1669 3 หลายเดือนก่อน +32

      narrator "so that was a fkin lie"

    • @mischelbartie5826
      @mischelbartie5826 3 หลายเดือนก่อน +18

      I just heard Morgan Freeman's voice 😅

    • @barnabusdoyle4930
      @barnabusdoyle4930 3 หลายเดือนก่อน +5

      Statement should be “I pay some of my bills”

    • @aaronhorowitz6942
      @aaronhorowitz6942 3 หลายเดือนก่อน +2

      Every single one of them haha

  • @Frogtism
    @Frogtism 3 หลายเดือนก่อน +3461

    fun fact, despite me and my husband being in good finances, he stopped getting drinks/snacks from the gas station because all he hears in his head is "going inside getting some BS".

    • @jessemeyer7488
      @jessemeyer7488 3 หลายเดือนก่อน +39

      💪💪💪💪💪

    • @aSimulatedBird
      @aSimulatedBird 3 หลายเดือนก่อน +84

      I bought an Irving gift card that I only let myself use at the pump. No going inside at all! (Also helps me not have to see the vapes and things after quitting nicotine)

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +323

      Looooolllll, thanks for being a member :)

    • @dhbrooks24
      @dhbrooks24 3 หลายเดือนก่อน +134

      @@Frogtism every time my fiancé wants to DoorDash I hear Caleb yell “DOORDASH DOORDASH DOORDASH” 😂

    • @donkeydialogue
      @donkeydialogue 3 หลายเดือนก่อน +4

      same lol

  • @tobithetonewheel
    @tobithetonewheel 3 หลายเดือนก่อน +416

    "I'm a little bit different than other people on the show"
    Narrator: he was, in fact, not different

    • @devilishirv
      @devilishirv 2 หลายเดือนก่อน +4

      besides the annoying last word lean into the mic 😂

    • @michaeldoran4367
      @michaeldoran4367 2 หลายเดือนก่อน

      Big VEINY kok whipped out on live TV! HUGE VEINY HOG WHIPPED OUT DURING A social studies PRESENTATION

    • @echosketching7895
      @echosketching7895 หลายเดือนก่อน +1

      Definitely heard this in Morgan Freeman’s voice

  • @Azxnrjsle
    @Azxnrjsle 3 หลายเดือนก่อน +55

    Caleb - it would be good to see some people on the show who have really good finances. And you can dig into the behaviors that made them successful. Doesn’t even have to be high earners, it can be relatable people who have a high Hammer Financial Score with reasonable income.

    • @songokussj3
      @songokussj3 8 วันที่ผ่านมา

      That would be pretty interesting, similar to everyday millionaires but you get to see the small details.
      I wonder if he does follow ups on some of the people that appear on here too.

  • @GreenFoodMan
    @GreenFoodMan 3 หลายเดือนก่อน +122

    34:48 his smug "I have a weakness for technology" like he's a super cool tech head.... Naw dude. You like buying expensive devices.

    • @Lucie.Greening
      @Lucie.Greening หลายเดือนก่อน +6

      False, he likes financing expensive devices.

  • @deebea6364
    @deebea6364 3 หลายเดือนก่อน +1573

    I am noticing more and more people in the comments every week talking about how they are well on their way towards getting out of debt, paying off cards, cars, or how the show has given them a wake up call... really cool to see! ✨🙌🏻 Loving the follow up channel as well - it deserves more love though!!

    • @shockwavecg
      @shockwavecg 3 หลายเดือนก่อน +26

      It's my favorite part about this channel! Much like on channels that focus on exercise and healthy eating people talking about going from 500 pounds to 350 pounds by changing their lifestyle. You can't help but feel joy for them and show support. ❤️❤️

    • @vhsqueen
      @vhsqueen 3 หลายเดือนก่อน +23

      Love those comments, loathe the discrimination judgmental comments that have nothing to do with their finances. Last may was my final payment, credit scores improved and nothing looming over my head anymore, now in savings mode

    • @TrigoNomentry
      @TrigoNomentry 3 หลายเดือนก่อน +13

      I finished paying off my student loans, about 12k worth and im officially debt free.

    • @nicolasjoelhernandezduran1333
      @nicolasjoelhernandezduran1333 3 หลายเดือนก่อน +7

      It helped me hahahaha not in debt right now, but helped me cuting off my unnecessary expenses but I also see the show to watch people with way worst decisions than me

    • @rudebee15
      @rudebee15 3 หลายเดือนก่อน +1

      We could be paying the Pentagon bills pretty soon.
      Oh wait m, we already do.

  • @Jhicks6242
    @Jhicks6242 3 หลายเดือนก่อน +1329

    Great Pyrenees and a Husky. Two notoriously great breeds to have inside an apartment and the heat of Texas 😂

    • @ericar.6370
      @ericar.6370 3 หลายเดือนก่อน +163

      That’s sad for the dogs 😢😢

    • @3thanp3arson75
      @3thanp3arson75 3 หลายเดือนก่อน +62

      its abuse having dogs like that in a hot environment, i own a pomski

    • @RickyRicardoMJF
      @RickyRicardoMJF 3 หลายเดือนก่อน +15

      ​@@3thanp3arson75Jeez can't imagine the energy they probably have

    • @ryanlemmers5300
      @ryanlemmers5300 3 หลายเดือนก่อน +68

      Literally every guest has pets. These adorable critters keep you poor and limit your mobility and flexibility. Wait till you’re wealthy to get a critter

    • @J47V
      @J47V 3 หลายเดือนก่อน +68

      Not this guy’s situation obviously, but I have a husky in Texas in a small apartment but only because he followed me home from work malnourished and without a collar, and when we called the chip company, the owner hung up and blocked our number so he was clearly abandoned. Obviously I took him in and I’m always careful of getting his energy out and keeping him out of the heat. Just giving some perspective that it’s possible to take care of husky in a hot state ❤

  • @evie5402
    @evie5402 3 หลายเดือนก่อน +1205

    Cutting hours at a stable job to do solar sales… here we go

    • @jessemeyer7488
      @jessemeyer7488 3 หลายเดือนก่อน +44

      dont forget, also asking for mommy's money

    • @MiaMizuno
      @MiaMizuno 3 หลายเดือนก่อน +31

      Best part was the "proof" part 😂
      Didn't he think about the possibility that he saw some trimmed numbers?

    • @purpurina5663
      @purpurina5663 3 หลายเดือนก่อน +71

      @@MiaMizunowhat I wonder if whether that person SOLD $60K worth of solar or actually MADE $60K. And whether he knows the difference.

    • @Farseli
      @Farseli 3 หลายเดือนก่อน

      ​@@purpurina5663That's a good question. My solar system was 15k so four of those sales in a month.

    • @ryanlemmers5300
      @ryanlemmers5300 3 หลายเดือนก่อน +42

      This guy is literally in every over saturated market known to man 😂

  • @BaltiMya
    @BaltiMya 2 หลายเดือนก่อน +46

    I started watching the show 4 months ago, I've paid down $5000 in debt and was able to make it through an expensive unexpected custody battle. Thank you!

  • @karatomlinson2549
    @karatomlinson2549 3 หลายเดือนก่อน +47

    “Almost as dry as your mouth, take a drink” 😂. Caleb you went hard on this kid, and he was a really good sport!!

  • @carolg6598
    @carolg6598 3 หลายเดือนก่อน +902

    Need to give Caleb credit for immediately apologizing when he knows he overstepped or got something incorrect.

    • @robertbrainard5651
      @robertbrainard5651 3 หลายเดือนก่อน +14

      Well the problem is that Caleb loves to say how bad vaping is but he doesn't even know what he's talking about. As someone who's been vaping since 2014, i can tell Not only does Caleb never smoked before, he doesn't even know what he is talking about, the only thing you gets correct is that vaping is not healthy, that i can agree to. But Vaping is still better if you buy American made e-liquid, than its fine because the crap that liquid china makes is horrible for anyone. Oh you can use china made mods and tanks but never buy their liquid.

    • @pnw_jordan
      @pnw_jordan 3 หลายเดือนก่อน +330

      @@robertbrainard5651the surgeon general agrees with Caleb and disagrees with you. I think I’ll go with the SG on this one.

    • @Vazcov1609
      @Vazcov1609 3 หลายเดือนก่อน

      ​@@robertbrainard5651 You keep telling that to yourself. Vaping is bad, no matter where it comes from.

    • @mattblair3529
      @mattblair3529 3 หลายเดือนก่อน

      @@robertbrainard5651 yeah I am a smoker and you're an idiot to believe this at all

    • @raylayaaaa
      @raylayaaaa 3 หลายเดือนก่อน

      @@robertbrainard5651you’re still inhaling smoke. Which isn’t good for the lungs PERIOD

  • @haley7492
    @haley7492 3 หลายเดือนก่อน +466

    as a young 20-something, these videos are so incredibly helpful/educational, considering i never had any sort of financial literacy taught to me growing up or in high school. some of these are just… a perfect lesson on what NOT to do.
    thank you for making such quality content caleb

    • @TimesUp8888
      @TimesUp8888 3 หลายเดือนก่อน +8

      In my mid 40s and I wish I had this at your age. I did have Dave Ramsey's AM radio show (lived in Nashville) but... yeah, not the same :)

    • @jimbomacgee3499
      @jimbomacgee3499 3 หลายเดือนก่อน +16

      Us not being taught financial literacy in HS has gotta be by design imo. If it were taught nobody would make BS purchases and banks wouldn’t be able to profit off debt. In some sad sense our economy would collapse if everyone knew the importance of money because people wouldn’t spend that much anymore, leading to less $ in circulation leading to companies becoming poorer leading to stock market crash due to poor earnings performance leading to no jobs 😵‍💫 Just my theory tho

    • @haley7492
      @haley7492 3 หลายเดือนก่อน

      @@jimbomacgee3499 i completely agree. i never had any classes about mortgages, money management, budgeting, nothing. it’s doing a disservice to the future generations, but it’s all by design

    • @loisavci3382
      @loisavci3382 3 หลายเดือนก่อน

      ​@@jimbomacgee3499This is the theory they talked about in the '60s and '70s.

    • @nikstar1313
      @nikstar1313 2 หลายเดือนก่อน

      @@jimbomacgee3499are you only just working that out now? Sorry I’m being petty today

  • @duskit0
    @duskit0 3 หลายเดือนก่อน +802

    Nobody comments on SIX Apple devices while being broke? Death by Mac

    • @libertarian4323
      @libertarian4323 3 หลายเดือนก่อน +64

      Financial death by ridiculous pens and overpriced Apple products he can't afford.

    • @TimesUp8888
      @TimesUp8888 3 หลายเดือนก่อน +15

      😂😂😂 I can't decide which is more ridic, and surprising- the pens or the phone bill.

    • @MyOwnChannel92
      @MyOwnChannel92 3 หลายเดือนก่อน +34

      He started to say galaxy s or something but got interrupted by Caleb, so there is more tech 😄

    • @islandwills2778
      @islandwills2778 3 หลายเดือนก่อน

      Dudes an idiot, it's pretty much never worth spending money in the insurance scam.

    • @ericthornberg9377
      @ericthornberg9377 3 หลายเดือนก่อน +34

      An apple a day keeps your future at bay

  • @PAVEWizards
    @PAVEWizards 3 หลายเดือนก่อน +38

    Went from having $15k in high interest debt to not having paid interest in almost a year now thanks to this channel 🙏

  • @actg08
    @actg08 3 หลายเดือนก่อน +27

    Just started my first job as an RN! Your videos have been a guiding light lmao thanks Caleb! 🙏

    • @Lady_Tee15
      @Lady_Tee15 2 หลายเดือนก่อน +2

      Congratulations 🎉🎉

    • @heathergray9195
      @heathergray9195 2 หลายเดือนก่อน

      🎉

  • @tatianaflucker9417
    @tatianaflucker9417 3 หลายเดือนก่อน +562

    “Security is great, wait what kind? Cyber security?”
    “No, private”
    “Oh, ok… less great. 😐”

    • @frankc.astle214
      @frankc.astle214 3 หลายเดือนก่อน +3

      HA!

    • @turtleanton6539
      @turtleanton6539 3 หลายเดือนก่อน +1

      😮😮😮

    • @jes8925
      @jes8925 2 หลายเดือนก่อน +6

      To be fair...it all depends ...I know guys that make 80k plus being a guard

    • @SeanPennII
      @SeanPennII 2 หลายเดือนก่อน

      Fuck these bros who work in Cyber who dont have passion for it.

    • @basilman121
      @basilman121 2 หลายเดือนก่อน +4

      ​@jes8925 I know people clearing 190k gross in cyber security...

  • @Zaurthur
    @Zaurthur 3 หลายเดือนก่อน +787

    Why is it that people with no money are obsessed with their credit score.
    "Waaah I wanna buy a house one day"
    With what money for a down payment smart guy?

    • @Username0467
      @Username0467 3 หลายเดือนก่อน +70

      Because it’s a “grade.” Everything else is less straightforward.

    • @thejames3431
      @thejames3431 3 หลายเดือนก่อน +48

      You are honestly asking why people without money would care so much about a score used to determine how much money they can be loaned?

    • @vinlago
      @vinlago 3 หลายเดือนก่อน

      ​@@thejames3431because they shouldn't take out loans, in general. Not until they understand what the heck they're doing.

    • @wabalubadubdubdub
      @wabalubadubdubdub 3 หลายเดือนก่อน

      ​@@thejames3431hahahah

    • @d.olluwu
      @d.olluwu 3 หลายเดือนก่อน

      @@thejames3431 i can see your point but these people don’t know anything about loans, interest rates, credit cards, or anything. have you seen some of the car loans that people on this show have willingly signed up for? they don’t know that credit scores are worth anything because they don’t even know when they’re signing up for 72 months with 20% apr💀
      i agree with the commenter who said it’s just a grade to them and grades are easy to track. that is absolutely how these people view credit scores. they don’t know anything beyond that

  • @sostrongineedmoreofyourmon974
    @sostrongineedmoreofyourmon974 3 หลายเดือนก่อน +293

    The editing team/person is doing a fantastic job. A raise is recommended by this internet nobody.

  • @bekahbdc
    @bekahbdc 3 หลายเดือนก่อน +23

    I think sharing how long it would take to pay off the balance is powerful. I think hearing the total amount of fees and interest the guests pay each month/year would also be powerful.

  • @mixmasterv86
    @mixmasterv86 3 หลายเดือนก่อน +32

    Man is over the credit card limit (I didn't even know that was possible) and buys every apple product on the market. Sheep mentality is strong with this one.

  • @Missmandy_3
    @Missmandy_3 3 หลายเดือนก่อน +886

    Today I met another Caleb Hammer fan in the wild! I was returning Amazon packages (cutting down on bullshit) and had this video paused on my phone as I was bringing up the return code. I was confused when the Amazon worker asked me if that was the guy who talks about finances, but then was excited to meet someone else who was a fellow fan. I feel like that was the universe affirming that I indeed do not need to buy BS on Amazon. 😂

    • @bryanna7017
      @bryanna7017 3 หลายเดือนก่อน +16

      I love this story! Caleb has definitely been a wake up call in the best way!!

    • @churchofmarcus
      @churchofmarcus 3 หลายเดือนก่อน

      You can return stuff directly to Amazon!? How? There's a warehouse a mile from me.

    • @mischelbartie5826
      @mischelbartie5826 3 หลายเดือนก่อน +11

      I work at a hospital and I was listening to Caleb one day and the Dr I was working with that day came out of his office and was like "oh, I love that guy!"

    • @Missmandy_3
      @Missmandy_3 3 หลายเดือนก่อน +6

      @@churchofmarcus ooops I meant the UPS Store. I only ever go there to do Amazon returns so that was my bad.

    • @Sar-ahG
      @Sar-ahG 2 หลายเดือนก่อน

      You got caught

  • @MegaNatester
    @MegaNatester 3 หลายเดือนก่อน +532

    I hate when guests pretend to be better than the previous guests, just to find out they’re worse than most. 🤦‍♂️

    • @turtleanton6539
      @turtleanton6539 3 หลายเดือนก่อน +2

      😂😂😂🎉

    • @cliflex
      @cliflex 2 หลายเดือนก่อน +13

      wdym you hate it, it's the best content! I love seeing them being humbled

    • @MasterOfMadmen
      @MasterOfMadmen 2 หลายเดือนก่อน +3

      It's because they think they're not bad that they let things get worse.

    • @devilishirv
      @devilishirv 2 หลายเดือนก่อน +2

      bro im 27 ive been working the same job 6 years now garage door technician my weeks go as low as 850-1300 i pay all my bills on time rent with bills is 1600 total no debt i own two trucks all paid for 07 raider & 07 silverado for work, i spend most my money my cats, groceries and a lot of weed, i sit at home watching these videos wishing i made half as much as some of these ppl not to mention ive NEVER ask my parents for money nor will i ever get a pay day loan i really dont understand how ppl can fuck up so bad

    • @devilishirv
      @devilishirv 2 หลายเดือนก่อน +1

      and i dont have credit or credit cards fuck all that shit cash is king😂

  • @jcnot9712
    @jcnot9712 3 หลายเดือนก่อน +338

    4 pens a day is crazy. That sounds like the kind of thing you’d find on the invoices of a corrupt company that’s finally getting audited lol

    • @panicsounds2239
      @panicsounds2239 3 หลายเดือนก่อน +20

      I'm a pen nerd and write a lot of notes for my job and a Parker refill still lasts weeks. I switched to 1 cheapo refillable fountain pen and 1 bottle of Ink will probably last me years now.

    • @jcnot9712
      @jcnot9712 3 หลายเดือนก่อน +8

      @@panicsounds2239 I thought the same thing. I feel like, as far as pens go, micron pens run out quick and I can’t recall a single time even at my most obsessed when I ran through one entire pen in a day, let alone four. And that’s while sometimes even leaving them with no caps on, which will accelerate the drying of the ink.

    • @EWall1498
      @EWall1498 2 หลายเดือนก่อน +13

      Dude’s got an illegal tattooing side gig or something. How cheap a company could he be working at that they’d make him buy his own pens?

    • @taylor15589
      @taylor15589 2 หลายเดือนก่อน +1

      Literally in college I sit next to a guy who spent $5,800 on ONE pen… he said he has others too 🤦‍♀️🤦‍♀️🤦‍♀️🤦‍♀️🤦‍♀️🤦‍♀️🤦‍♀️🤦‍♀️

  • @Astr0tune
    @Astr0tune 2 หลายเดือนก่อน +4

    The greatness of this show is captured in the fact that my wife and I watch every episode over dinner and end up talking over it the entire time. Thank you for the thought provoking content :)

  • @kaelinthomas6876
    @kaelinthomas6876 3 หลายเดือนก่อน +6

    Just paid off over 13k! Took me over a year and a half with bills and my credit score is 795! Thank you Caleb for helping me start and finish my journey!

  • @emilyrahalla762
    @emilyrahalla762 3 หลายเดือนก่อน +168

    Had an emergency with my car lately and because of this channel I could pay for it and not put it on a card. It slowed down my debit payment journey but I’m so happy that I could pay for it outright l! It’s the little steps 🎉

    • @churchofmarcus
      @churchofmarcus 3 หลายเดือนก่อน +14

      This is that financial peace D Ramsey talks about. Responding to an unexpected expense with "okay" vs panic is something everyone should strive for.
      Following a motorcycle crash a few months ago I paid thousands in medical bills without accruing any debt and I'm so thankful it didn't happen 2 years ago instead.

    • @FirinMahLazer1
      @FirinMahLazer1 3 หลายเดือนก่อน +12

      It's such an incredible feeling honestly. My wife had an unrepairable flat the other month. She called me and said the other tire was a little wore down so I said fine get 2 new ones. "Well it's going to be like $650". I said ok, do it. Didn't have to think about it or crunch the numbers, just got it done and back on the road.

    • @rachel3620
      @rachel3620 2 หลายเดือนก่อน +4

      Yesss that's what the emergency fund and cash flow are for! A momentary pause on crushing debt to stay away from accruing more. You're doing amazing! 🎉🎉🎉

    • @AnAZPatriot
      @AnAZPatriot 2 หลายเดือนก่อน

      There is only one freedom and privilege in this world, and it's color is green.
      Keep staying free!

  • @jcnot9712
    @jcnot9712 3 หลายเดือนก่อน +684

    Caleb “I can gift you a certification” Hammer

    • @togder
      @togder 3 หลายเดือนก่อน +127

      Caleb "You need a charge card like the fizz card" Hammer

    • @brainwave1397
      @brainwave1397 3 หลายเดือนก่อน +42

      Caleb “THE financial audit” Hammer

    • @brainwave1397
      @brainwave1397 3 หลายเดือนก่อน +62

      Caleb “have you heard of sofi?” Hammer

    • @tpd2031
      @tpd2031 3 หลายเดือนก่อน +84

      Caleb “in my moomoo account” Hammer

    • @eerielconstantine5051
      @eerielconstantine5051 3 หลายเดือนก่อน +51

      Caleb “TAQUITOES. TAQUITOES. AMAZON. GOING IN GETTING SOME BULLSHIT.” Hammer 😂

  • @thebosshouse
    @thebosshouse 3 หลายเดือนก่อน +661

    Pro tip: You don't pay your bills if you're asking your parents for money and maxing out your credit cards.

    • @josephhuman7390
      @josephhuman7390 3 หลายเดือนก่อน +8

      Well stated...

    • @MusicBoxAlsoWater
      @MusicBoxAlsoWater 3 หลายเดือนก่อน +8

      I think he means on paper. Money is going towards those debts. I get what you're saying though.

    • @danielmankowski922
      @danielmankowski922 3 หลายเดือนก่อน +2

      Facts!

    • @jess_blxck
      @jess_blxck 3 หลายเดือนก่อน +13

      This !!!! Paying things on time is not the same as being able to afford them

    • @SuperbChicken
      @SuperbChicken 3 หลายเดือนก่อน

      @@jess_blxckand having the money in your account is different than being able to actually afford it

  • @AsAngelsFall221
    @AsAngelsFall221 3 หลายเดือนก่อน +19

    I keep watching these to keep myself motivated to pay off all my debt. Started $50k in the hole at the beginning of 2024, $22k left! I salivate at the thought of having no bills aside from rent and just investing everything I've been shovelling into the debt fire. If you're in a similar situation and hopeless, you can do it, I believe in you 🙏 Stay focused friends

    • @heathergray9195
      @heathergray9195 2 หลายเดือนก่อน

      🎉🎉🎉🎉🎉

  • @kenziehansen2424
    @kenziehansen2424 2 หลายเดือนก่อน +5

    Caleb, you have been the little voice in my head that has helped me get my credit from 529 to 643 in just a few short months! I got a secured discover card that i use twice a month for gasoline, and in 2 months ill get my $200 back! I have $4000 in savings and now im working toward buying a new mobile home. Your videos and roasts have informed and advised me and I feel less stressed and more in control of my LIFE ❤ you are a blessing and I hope people really take what you have to say and turn their lives around! Luckily I started at 0 and didnt need to dig myself out of a hole, but the inspiration your content gives me is a true gift. Thank you to the team as well!! Wouldnt be a Financial Audit without you guys 😊

  • @dukewellington7050
    @dukewellington7050 3 หลายเดือนก่อน +297

    Call Center Rep, Solar Sales, drop shipping, facebook market place, amazon fba, home inspector... this guy is all over the place

    • @Rolienolie34
      @Rolienolie34 3 หลายเดือนก่อน +38

      Nah I bet he just watches tiktok.

    • @FutureDreamZz
      @FutureDreamZz 3 หลายเดือนก่อน +36

      He just wants fast money with little effort 💀😂

    • @Draggonny
      @Draggonny 3 หลายเดือนก่อน +20

      Yep and everything he ever buys has to be "the best" because it might be the tool he needs for his big break that gets him rich quick. This kind of mentality is so painful to watch. It's like they heard the expression "you have to speculate to accumulate" and thought that means you have to go on shopping sprees instead of investing into actual businesses.

    • @nicolamarkus3177
      @nicolamarkus3177 3 หลายเดือนก่อน +5

      Don't forget video editor

    • @SeansModelBuilds
      @SeansModelBuilds 2 หลายเดือนก่อน +2

      So was I before I found my chosen field

  • @ItsJoKeZ
    @ItsJoKeZ 3 หลายเดือนก่อน +341

    this show made me realize that many of the people my age (26) "living their best life" are really & *stacking their worst debt* and ruining their futures.
    I never understood how people kept all this up until I heard the real CC & loan debt on here.

    • @MPPG663
      @MPPG663 3 หลายเดือนก่อน +23

      Many of the people your age are thinking: "What future?"
      That's why.

    • @ItsJoKeZ
      @ItsJoKeZ 3 หลายเดือนก่อน +24

      @@MPPG663 an excuse used by every generation. as a doomist it is an easy excuse to be lazy, give up and do nothing.
      or you make the best of whats left (and that could be 5, 10, 20 years) throwing it away now is a poor reason.

    • @TR-lh9yz
      @TR-lh9yz 3 หลายเดือนก่อน +9

      Well, since we each only have one life, everyone is living their best life. And their worst life. Such a dumb expression.

    • @becka41
      @becka41 3 หลายเดือนก่อน +3

      YOLO 🫠

    • @kawhiiee
      @kawhiiee 2 หลายเดือนก่อน +4

      One of my friends is exactly like that. Acting like he is rich and "Made it" when clearly he doesn't own anything and is drowning in debt and interest.

  • @uNVme130
    @uNVme130 3 หลายเดือนก่อน +207

    At least we might get a budget this episode 😂🤑 Keep up the good work guys!

    •  3 หลายเดือนก่อน

      IKR!

  • @MariPopović
    @MariPopović 3 หลายเดือนก่อน +4

    GREAT EPISODE! I was already worried that Caleb won't be able to loose it anymore after seeing so many terrible financial situations 😂 your passion for helping people is amazing!

  • @TecHippy
    @TecHippy 3 หลายเดือนก่อน +37

    Dude bought a $2500 Mac studio. That thing has like $1200 worth of hardware in it

  • @ChrisEagor
    @ChrisEagor 3 หลายเดือนก่อน +676

    Funemployed time!

    • @HomestarCrawler
      @HomestarCrawler 3 หลายเดือนก่อน +44

      Funderemployed!

    • @randyblouin
      @randyblouin 3 หลายเดือนก่อน +1

      😅😂😅😂❤❤❤

    • @PRRS08
      @PRRS08 3 หลายเดือนก่อน +31

      Ha ha ha see it's catching on like she hoped

    • @espurrs
      @espurrs 3 หลายเดือนก่อน +12

      Its catching on! 😂😂

    • @bballr4567
      @bballr4567 3 หลายเดือนก่อน +1

      @@ChrisEagor ohhh yay! 👎👎😂😂

  • @rburkwood
    @rburkwood 3 หลายเดือนก่อน +283

    He's lipsmacking so much because he's not hydrating - he's drinking Red Bull 🤦‍♂. Get them to drink water!

    • @benjaminfitzgerald7011
      @benjaminfitzgerald7011 3 หลายเดือนก่อน +8

      It's financial audit, not health audit!! 😂😂

    • @dmoney7536
      @dmoney7536 2 หลายเดือนก่อน +12

      ​@@benjaminfitzgerald7011 It's a lot harder to make smart decisions when you're suffering from poor sleep and adrenal fatigue.

    • @benjaminfitzgerald7011
      @benjaminfitzgerald7011 2 หลายเดือนก่อน +1

      @@dmoney7536 oh for sure. But Caleb isn't particularly healthy either, so that would be preaching what he don't practice

    • @dmoney7536
      @dmoney7536 2 หลายเดือนก่อน +8

      @@benjaminfitzgerald7011 he has room for improvement for sure. The amount of people addicted to energy drinks is crazy. Most of my coworkers suck down two a shift (while eating candy) and can't connect that their anxiety issues are directly related to their energy drink habit. Hopefully Caleb will preach more good health habits in the future but that may be a whole other niche that someone could do with a similar format.

    • @Tj_McQueen
      @Tj_McQueen 2 หลายเดือนก่อน +5

      It’s really because he’s nervous and his sympathetic nervous system is deactivating his salivary glands. This can still happen to you when you’re hydrated.

  • @davidsee3553
    @davidsee3553 3 หลายเดือนก่อน +185

    Forcing my teenage kids to watch this show is the smartest thing i've ever done. hopefully they continue to learn that making stupid decisions to give off the illusion that you have money will f*** you in the end. Go Tigers!

    • @alborg246
      @alborg246 3 หลายเดือนก่อน +4

      Genius

    • @TimesUp8888
      @TimesUp8888 3 หลายเดือนก่อน +6

      Wish I had this show as a teen. 💯

    • @davidsee3553
      @davidsee3553 2 หลายเดือนก่อน +5

      @nono99136 I'm doing it wrong. I guess that's why my 18 and my 19 year old make six figures and already own their houses.

    • @Madn3ssMan
      @Madn3ssMan 2 หลายเดือนก่อน

      @@davidsee3553 no way! Are they hiring?

    • @Badger17805
      @Badger17805 2 หลายเดือนก่อน

      ​@@nono99136damn u got destroyed

  • @Eviepossible
    @Eviepossible 2 หลายเดือนก่อน +7

    Caleb's approach makes me a better parent. He really has tough love down to a fine art and his videos give me the mindeset I need to follow though with my kid.

    • @suededsusan
      @suededsusan 2 หลายเดือนก่อน

      No, this isn’t a great approach in personal relationships. He’s doing this for a video

    • @OdessaSenpai
      @OdessaSenpai 14 วันที่ผ่านมา

      Depends on the person a kid should be fine ​@suededsusan

  • @millioooooo
    @millioooooo 2 หลายเดือนก่อน +10

    I just paid my car off on Monday, officially debt free and it feels so good!!!

  • @jennifergaribayy
    @jennifergaribayy 3 หลายเดือนก่อน +401

    I was so close to going to starbies, but then you posted this 🙌🏼

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +73

      Hahaha happy to have saved you. Thanks for being a member also!

    • @RGE_Music
      @RGE_Music 3 หลายเดือนก่อน +2

      Pete's is better

    • @noahquiles5791
      @noahquiles5791 3 หลายเดือนก่อน +7

      Great job! Now go get yourself a sweet treat as a reward

    • @dominiciannucci5217
      @dominiciannucci5217 3 หลายเดือนก่อน +10

      Kinda funny to think that Caleb is actively reducing the economic growth of fast food companies 🤣

    • @eerielconstantine5051
      @eerielconstantine5051 3 หลายเดือนก่อน +4

      Starbucks coffee from Kroger, some places sell the syrup, cream and milk, make at home for pennies on the dollar!!

  • @luvlui3
    @luvlui3 3 หลายเดือนก่อน +182

    Yalll couldn’t give him some water???? 😭

    • @mischelbartie5826
      @mischelbartie5826 3 หลายเดือนก่อน +14

      Ugh I haaaaaaate the dry mouth crackle 😭😭😭

  • @SLDFMechWarrior
    @SLDFMechWarrior 3 หลายเดือนก่อน +63

    This dude went from full time at a stable job to half time to sell solar then went into private security because it failed.
    What a series of decisions he made

    • @GenZScumbag
      @GenZScumbag 3 หลายเดือนก่อน

      Indeed it's been a rollercoaster this year lol

  • @christopherbertram8170
    @christopherbertram8170 3 หลายเดือนก่อน +10

    I was about to start a master's program that would have put me 50,000 further into student debt when I already have 40,000 dollars of student debt I've never been able to pay off because my degree did not leave me to a career.
    Instead I found the same program at a different university starting just one month later that only cost ten thousand dollars for the two-year degree. For a guaranteed job of 80k starting.
    It was hard giving up the job I enjoyed and it's going to be a hard two years living with my parents while study this but finally going to be financially stable

  • @samanthajane8906
    @samanthajane8906 2 หลายเดือนก่อน +10

    Funny, I took the financial score. I have no debt, no real estate. I got a 5/10.
    Now I see how ridiculous some people's self assessments are.

    • @maze4028
      @maze4028 หลายเดือนก่อน

      I got a 6 lol. Only debt is mortgage. Funded emergency fund, retirement accounts, low %. Could do better I guess . Stop the BS spending 🤷🏻‍♀️

  • @kebby603
    @kebby603 3 หลายเดือนก่อน +156

    33 y/o here I stumbled upon your channel and it's been a huge wakeup call for me. I'm now investing in the stock market and got a part time job just to build my emergency fund quicker. Oh and all my credit debt is paid off! Thank you for making this type of content.

    • @SargentandGreenLeaf
      @SargentandGreenLeaf 3 หลายเดือนก่อน +5

      For how long on the stock market cause the last 3 months been dive bombing.

    • @kebby603
      @kebby603 3 หลายเดือนก่อน

      @@SargentandGreenLeaf for a month but I'm just sticking with Index funds right now.

    • @MTNVIWS
      @MTNVIWS 3 หลายเดือนก่อน +3

      Great job

    • @emilyconrad4886
      @emilyconrad4886 3 หลายเดือนก่อน +4

      I'm 30 and working on the same. This channel has been a huge help.

    • @FutureDreamZz
      @FutureDreamZz 3 หลายเดือนก่อน +1

      @@SargentandGreenLeafwhat are your stocks cuz the stock market is up big time

  • @Thederbs1234
    @Thederbs1234 3 หลายเดือนก่อน +165

    Editor having an absolute field day with this one

    • @snolan12534
      @snolan12534 3 หลายเดือนก่อน +9

      Whoever edited this one needs a raise 😂

  • @wirebrushproductions1001
    @wirebrushproductions1001 3 หลายเดือนก่อน +210

    He IS well-informed. He just doesn't pay attention to what he knows. There is a difference.

    • @Wenisssss
      @Wenisssss 3 หลายเดือนก่อน +11

      I’d agree. He probably had the best understanding of the debts he has, just not his spending.

    • @crazywhitegrl27
      @crazywhitegrl27 3 หลายเดือนก่อน +1

      ooo sage words, may steal 😈

    • @turtleanton6539
      @turtleanton6539 3 หลายเดือนก่อน +1

      Yes😮

    • @Draggonny
      @Draggonny 3 หลายเดือนก่อน +5

      Yeah. I think he's not as financially literate as he thinks he is but what he really means is "I know why everything I'm doing is wrong but not how to course correct".

  • @jasmynyvonne562
    @jasmynyvonne562 3 หลายเดือนก่อน +12

    I’ve paid off half my debt already in the 2 months I’ve been watching this only have 4k more to go!!

  • @MandieCat
    @MandieCat 3 หลายเดือนก่อน +27

    I love Caleb but I'm kind of disappointed he is supporting generative AI video, something that takes away jobs from creatives. Most AI models are built on stolen assets from artists. 58:00

    • @altaccount8749
      @altaccount8749 2 หลายเดือนก่อน

      You probably use a smart phone built on the backs of Slave labor. Get over it.

  • @yanasto
    @yanasto 3 หลายเดือนก่อน +67

    I used to do door-to-door sales and it’s absolutely miserable. I would work 6 days a week sun up to sun down and in every type of weather, no money if I didn’t make a sale. I sold satellite tv and was pretty good at it but it was absolute misery. I remember when I finally quit I was looking out the window in the car seeing all the houses pass and realizing I NEVER had to knock on another door again was the happiest day ever!

    • @turtleanton6539
      @turtleanton6539 3 หลายเดือนก่อน

      Indeed me2😊😊😊

  • @native_saiyan
    @native_saiyan 3 หลายเดือนก่อน +722

    Don't let this distract you from fact gohan beat cell with a 1 handed kamehameha.

    • @UnknownNev
      @UnknownNev 3 หลายเดือนก่อน +96

      @@native_saiyan the fact that Goku gave Cell a senzu bean will never not piss me off lol

    • @bluelink525
      @bluelink525 3 หลายเดือนก่อน +17

      I just finished super... Not too bad but kinda weird and no more super Saiyan Gohan 😭

    • @harvinmarison6161
      @harvinmarison6161 3 หลายเดือนก่อน +4

      Facts

    • @SoloSanguine
      @SoloSanguine 3 หลายเดือนก่อน +19

      When Goku “spirit” was behind him I got chills.

    • @bobbytabernacle
      @bobbytabernacle 3 หลายเดือนก่อน

      Username check out

  • @erick3755
    @erick3755 3 หลายเดือนก่อน +71

    The smacking didnt bother me until Caleb brought it to my attention...thanks for that Caleb.

    • @bretthasbrouck9808
      @bretthasbrouck9808 2 หลายเดือนก่อน +3

      I think the attention is worse.

  • @michaelweyenberg6238
    @michaelweyenberg6238 3 หลายเดือนก่อน +9

    Plenty of people are financially literate. The issue is dicipline.

  • @carriegregg2643
    @carriegregg2643 2 หลายเดือนก่อน +2

    This episode has explained the debt snowball better than I have ever understood before! I was doing the same thing and paying a little extra on every card! This makes so much more sense! Thanks Caleb! It finally clicked!

  • @michaelcollins4534
    @michaelcollins4534 3 หลายเดือนก่อน +99

    Got my $1850 in credit cards paid off over this last month and stopped myself from getting 7/11 taquitos today thanks to Caleb's shouting

  • @sigourneyandgrace4078
    @sigourneyandgrace4078 3 หลายเดือนก่อน +127

    My last day of work before I go on vacation. This is the only thing getting me through today, thank you Caleb!!

    • @haley7492
      @haley7492 3 หลายเดือนก่อน +4

      you got this!!!!

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +19

      Happy to have you here :) have a great vacation!

    • @sigourneyandgrace4078
      @sigourneyandgrace4078 3 หลายเดือนก่อน +13

      @@CalebHammerand I did not put the vacation on any credit card😎

  • @johnSmith-lx9nw
    @johnSmith-lx9nw 3 หลายเดือนก่อน +237

    Solar and dropshipping LOLOLOL

    • @MiaMizuno
      @MiaMizuno 3 หลายเดือนก่อน +22

      Solarshipping and dropping

    • @islandwills2778
      @islandwills2778 3 หลายเดือนก่อน +6

      I sell things online.... But it's quality items I build myself. This guy has no clue how hard it is to generate sales

    • @bryguy1811
      @bryguy1811 3 หลายเดือนก่อน +4

      Hes the personification of bad financial tiktoks

    • @FirinMahLazer1
      @FirinMahLazer1 3 หลายเดือนก่อน +2

      Gen Z personified 😂

  • @incorporeality-channel7817
    @incorporeality-channel7817 3 หลายเดือนก่อน +9

    Saved up all last year and paid off my car in one fell swoop. Used the extra cash for a downpayment on a (very small) house! 24 years old, working as a full time artist in my field of my BFA degree :) mortage and taxes about the same as what rent would be at a decent apartment, idk if this was the right play but I feel proud 😅 down to just student loans and mortage, no other debts. Working on building my own business WHILE still working full time at my normal job and only using profits of my business to further invest into it. These podcasts get me through the long work weeks 😅

  • @kathiward7
    @kathiward7 3 หลายเดือนก่อน +4

    I love Caleb! I love his righteous anger! I love that he freaks out! You go, Caleb!

  • @itakeitfromthesun
    @itakeitfromthesun 3 หลายเดือนก่อน +84

    My boyfriend has been listening to me play your videos and he has paid off all his debt from when he was an immature young adult and is now trying to rebuild his credit so that we can buy a house in the near future 🤩

    • @alhen9023
      @alhen9023 3 หลายเดือนก่อน +14

      Better get married 1st!

    • @itakeitfromthesun
      @itakeitfromthesun 3 หลายเดือนก่อน

      @@alhen9023 I’ve been waiting 7 years for that hopefully that’s coming soon 🤣🤣

    • @sarsoura8289
      @sarsoura8289 2 หลายเดือนก่อน

      ​@@alhen9023 Not until he pays off his debt IMO. 😬

    • @VoltageNostalgia
      @VoltageNostalgia 2 หลายเดือนก่อน

      ​@@alhen9023stop trying to take ownership of mens houses through marriage

  • @Anarxur
    @Anarxur 3 หลายเดือนก่อน +99

    Ayo Red Bull isn't gonna help your sticky-mouth. Bro needs water, not what plants crave

    • @urgamecshk
      @urgamecshk 3 หลายเดือนก่อน

      And caffeine which dehydrates you..... ​@@elliotalderson4568

    • @MrGWAMPO
      @MrGWAMPO 2 หลายเดือนก่อน +2

      solid reference

    • @amtrombone6075
      @amtrombone6075 2 หลายเดือนก่อน

      He has zyns in, that’s why

  • @dillonamick2524
    @dillonamick2524 3 หลายเดือนก่อน +94

    Caleb reacting to this dudes pen obsession is hilarious 😂

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +12

      Hahaha. Thanks for being a member :)

    • @maemorri
      @maemorri 3 หลายเดือนก่อน +4

      The dude just goes crazy. I thought he would stop at a dozen, but no he bought three more. I can't imagine where his mind was when he bought pen15.

    • @kaileymcclements7371
      @kaileymcclements7371 3 หลายเดือนก่อน

      @@maemorrifight he pvvvvvvw😊😊e😊lt

    • @kaileymcclements7371
      @kaileymcclements7371 3 หลายเดือนก่อน

      @@maemorrishi

  • @gage1ew5
    @gage1ew5 2 หลายเดือนก่อน +3

    I love this podcast because I'm doing everything right at 18 but I'm still learning about pitfalls for my future such as mortgages and insurance. Cool stuff keep it up

  • @jamesalaniz5148
    @jamesalaniz5148 3 หลายเดือนก่อน +7

    "You little fn bearded guy!" 😂 Bruh this is hands down the BEST channel out there

  • @zeal426
    @zeal426 3 หลายเดือนก่อน +169

    Her admitting that her finances are worse than his, then turning down the offer to come in the show to help her says alot.. and it’s not a positive outlook.

    • @alittlerayofsunshinee
      @alittlerayofsunshinee 3 หลายเดือนก่อน +13

      If I was him I'd end the relationship just because of that lol

    • @zeal426
      @zeal426 3 หลายเดือนก่อน +7

      @@alittlerayofsunshinee lol same, but that’s depending on how deep in love he is, how easily he feels he can get another girl if he leaves her… and how serious he is about getting his finances together… so who knows.. 🤷🏽‍♂️

    • @Gt07mk
      @Gt07mk 3 หลายเดือนก่อน +37

      Not everyone is confident enough/wants to go on the show. Every time I click on a video I see posts about people who have changed their lives without having to attend. As long as it gets better it doesn’t really matter.

    • @dallasarrowood3075
      @dallasarrowood3075 3 หลายเดือนก่อน +19

      not necessarily. she knows caleb's schtick and if she doesn't think his approach will work for her, i think that's fair. hopefully she'll still take the things he said here to heart, though.

    • @Artorias_03
      @Artorias_03 3 หลายเดือนก่อน +18

      Orrrrr maybe shes not mentally/emotionally strong enough to handle Caleb’s criticism?

  • @bballr4567
    @bballr4567 3 หลายเดือนก่อน +61

    Caleb: "How much was it?"
    All the guests ever: "Well, I had a friend who hooked me up"

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +6

      Haha and thanks for being a member

  • @renwoman101
    @renwoman101 3 หลายเดือนก่อน +29

    Always enjoyed watching your episodes. I’m in my late 40’s and am not good with money. Learned a lot from your channel

    • @OneGoodPerson1567
      @OneGoodPerson1567 3 หลายเดือนก่อน +5

      Good luck with your money! May financial wisdom be with you ❤

  • @Nerdyone1000
    @Nerdyone1000 3 หลายเดือนก่อน +11

    Some taquito math for the non-believers:
    Got a $17 croissant sandwich from the airport for work (was reimbursed, chill) and all I could think was “BRING A SANDWICH!!” So as soon as I got back, I got a bunch of croissants from Costco for $5.99, some sandwich ingredients from Safeway for $18, and calculated that I saved $50/work week instead of buying the $10 sandwiches from the cafe downstairs :)

  • @beerbloodbodyslams-horror4613
    @beerbloodbodyslams-horror4613 2 หลายเดือนก่อน

    Thanks!

  • @SociallyAwkwardExpert
    @SociallyAwkwardExpert 3 หลายเดือนก่อน +52

    Caleb writing “Fuck You” on a whiteboard just made my whole week!!! 😂😂😂😂😂

    • @imreallyjustaghost
      @imreallyjustaghost 2 หลายเดือนก่อน +2

      I about spit out my coffee. Funniest shit EVER 🤣

  • @katarzyna4515
    @katarzyna4515 3 หลายเดือนก่อน +118

    I wouldn't be able to go out and eat while asking my parents for money..

    • @FutureDreamZz
      @FutureDreamZz 3 หลายเดือนก่อน +3

      Exactly!

    • @JimiSparx-yw3gb
      @JimiSparx-yw3gb 3 หลายเดือนก่อน

      You COULD if you were an ENTITLED D0UCH3L0RD like this zero!

    • @pierremarie5800
      @pierremarie5800 2 หลายเดือนก่อน

      i would be my parents are beyond rich so it's not the same culture

    • @MarksTournaments
      @MarksTournaments 2 หลายเดือนก่อน

      ​@@pierremarie5800 what they do?

    • @PeaceOfMake
      @PeaceOfMake หลายเดือนก่อน

      ​@@pierremarie5800 So you're spoiled. Not a brag.

  • @momochanjones7302
    @momochanjones7302 3 หลายเดือนก่อน +92

    $10k on a card almost made me faint.

    • @l-train7876
      @l-train7876 3 หลายเดือนก่อน +11

      I make $160k and I would have a heart attack if I had $10K on a CC😱

    • @StevenEdwardsAudio
      @StevenEdwardsAudio 3 หลายเดือนก่อน +6

      I have that on several. 😢

    • @l-train7876
      @l-train7876 3 หลายเดือนก่อน +9

      @@StevenEdwardsAudio *CUT UP THE CARDS*

    • @StevenEdwardsAudio
      @StevenEdwardsAudio 3 หลายเดือนก่อน

      @@l-train7876 I wish it were that easy. It’s from getting divorced over four years ago as well as some medical debt both for myself and one of my cats. But I have gone down from $57k at the beginning of the year to $47k now.
      You just never know someone’s circumstances, which is why people shouldn’t judge. Having debt isn’t always from mishandling money.

    • @churchofmarcus
      @churchofmarcus 3 หลายเดือนก่อน

      I had close to twice that much on a card less than a year ago. It's down to 3k now.

  • @Kosmickritter
    @Kosmickritter 3 หลายเดือนก่อน +30

    I work for starbucks and our sales have been down- I blame Caleb 😂

    • @alospm
      @alospm หลายเดือนก่อน +1

      I stopped going to Starbucks because of Caleb.

    • @andiem923
      @andiem923 หลายเดือนก่อน

      😂

  • @BroVin-fw6zf
    @BroVin-fw6zf 2 หลายเดือนก่อน +2

    I've been watching Caleb for only 2 years now. I have saved a 6-month emergency fund. This has saved me and ensure I don't make decisions out of fear. It has given me the space to plan my next steps with intention and I don't have to take a lower paying job in desperation. Thanks Caleb ❤

  • @evelynholley6591
    @evelynholley6591 3 หลายเดือนก่อน +21

    so happy to have found your channel when i did, no debt and building my emergency fund currently, as well as figuring out how im going to school with no loans, thank you for providing these educational videos it does so so much!!!

    • @pinkinhot67
      @pinkinhot67 3 หลายเดือนก่อน

      Hey! :) Congratulations!!! Question… how did you find out how to go to school without loans?

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +2

      Happy to have you here! Thanks for being a member!

    • @evelynholley6591
      @evelynholley6591 3 หลายเดือนก่อน

      @@pinkinhot67 ive been like crazy applying for different scholarships and grants, depending on what kind of career youre going into helps too, i am going to be a teacher and because of the shortage of teachers they are giving me a teacher grant of 7,000+ per year, basically if i DIDNT graduate then that grant turns into a loan, obviously i plan on graduating though haha. Also , look into tuition reimbursement positions. My brothers work offers up to 6000 per year, he works at a manufacturing company, but ive worked at fast food places, daycares, etc. that offer that. Most of the time whatever youre looking to get into, there are jobs you can get that will set you up with reimbursement so you would take out a loan and as long as you pass your job will give you the money you paid, but it takes time. Ive been doing research on it since march and im not going to start my first semester until January, but i have so many small scholarships and grants built up that im not paying any money at all for school, not even books.

    • @evelynholley6591
      @evelynholley6591 3 หลายเดือนก่อน

      @@pinkinhot67 its super cool, its a nice university that would have costed me minimum 15,250$ per year, but my scholarships and grants add to 17,000. Lots of writing essays, asking counselors at the school for advice on good scholarships, the more local the grant the better. Im from michigan and there are a lot of programs you can apply for that require you to have good grades in college but will pay for it in return, as long as youre disciplined so worth it !!!

    • @evelynholley6591
      @evelynholley6591 3 หลายเดือนก่อน

      @@pinkinhot67did you get my reply i cant see it on here now ? 😮

  • @CJB333
    @CJB333 3 หลายเดือนก่อน +43

    Its amazing how many people can't comprehend that eating out isn't a right it's a massive luxury. They're like children screaming for McDonald's

    • @HH-wq6se
      @HH-wq6se 2 หลายเดือนก่อน +2

      This drives me crazy! Even while quite stable with no debt other than a mortgage, our hard limit has been once a month at the type of place where two people could eat all in for $40. For an anniversary we might splurge on a slightly nicer spot, but not always, and at times we'd go 8+ weeks without eating out simply because we were in the habit of cooking at home and forgot.
      I see friends and relatives struggling with debt while going out 1-2 nights per week and it's just insane to me.

  • @evanbertz3514
    @evanbertz3514 3 หลายเดือนก่อน +64

    this guy is definitely lined up for every new apple release despite being broke

    • @giantpune
      @giantpune 3 หลายเดือนก่อน

      That's how you build a trillion dollar company. On the backs of slave labor and propped up by rabid fanbois who will buy whatever you put out, no matter how much you charge.

  • @Anniekitty1016
    @Anniekitty1016 3 หลายเดือนก่อน +7

    I want to mention that compression sleeve because I know exactly where he got it. I have one. They are notorious for falling down. They are also made for the purpose of compressing the muscles to relieve aches and pains. The sleeve doesn't do its job at $100 per sleeve

    • @matthewowcarz8259
      @matthewowcarz8259 2 หลายเดือนก่อน +2

      As a physical therapist, I can say that elbow and knee braces are notorious for falling down as they don't have a physical point of contact to prevent that from occurring. Usually taping is better.

  • @lukediehl1210
    @lukediehl1210 3 หลายเดือนก่อน +48

    I hit a little hiccup in my journey to being debt free. I thought I would be free and clear this week, but I've got $450 left on my credit card. On my current budget, that will be paid in 3 weeks. On the plus side, my credit score is now over 700. Up from a low of 540.

    • @ericar.6370
      @ericar.6370 3 หลายเดือนก่อน +2

      Nice! 🎉 You’re almost there!!

    • @SociallyAwkwardExpert
      @SociallyAwkwardExpert 3 หลายเดือนก่อน +3

      Way to go! You are sooooo closeeeee!

  • @twotrees6077
    @twotrees6077 3 หลายเดือนก่อน +38

    “Im not like the other guests on here”
    Immediately starts with a Best Buy credit card.😂

  • @rhiannonn7440
    @rhiannonn7440 3 หลายเดือนก่อน +39

    Been watching Caleb forever. This quickly became my favorite channel and I’ve watched every episode. I’ve gotten myself out of $6k of credit card debt in 3 months bc of Caleb. Thank you to Caleb and his team for giving me something to look forward to multiple times a week ☺️

    • @heathergray9195
      @heathergray9195 2 หลายเดือนก่อน

      🎉🎉🎉🎉🎉

    • @lafondla21
      @lafondla21 2 หลายเดือนก่อน

      Bro thats actually nuts! Congrats!

    • @rhiannonn7440
      @rhiannonn7440 2 หลายเดือนก่อน

      @@lafondla21 thank you so much!! I literally just worked my ass off and put every single penny I had after bills into envelopes labeled with each credit card name, while still making the minimums. Every month I deposited what was in the envelope. That was the only way I was able to make large payments to cut it down faster. But that’s what worked for me! And I am not a credit card person by any means but I’m trying to be lol

  • @TStizzle19
    @TStizzle19 3 หลายเดือนก่อน +6

    I specifically enjoy watching the thumbnails change the first day or two lol theu always get funnier

  • @Saint0bi
    @Saint0bi 2 หลายเดือนก่อน +4

    You always hear about the success stories of entrepreneurship and never the pitfalls and failures of jumping in on a trendy hustle. This guy is a cautionary tale.

  • @Gt07mk
    @Gt07mk 3 หลายเดือนก่อน +12

    Thanks Caleb. Didn’t notice any lip smacking at all until you pointed it out. Now I can never unhear it ever again.

  • @agnosym
    @agnosym 3 หลายเดือนก่อน +69

    The producers are gunning for Caleb's health. 😆

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +11

      Hahahahaha, thanks for being a member!

  • @tainted1ove1etters
    @tainted1ove1etters 3 หลายเดือนก่อน +176

    Sweet treat Wednesday

  • @Flightcontrol96
    @Flightcontrol96 3 หลายเดือนก่อน +9

    The only people who make money with drop shipping these days are people who have been doing it for years and people selling classes on how to do it to people like him.

  • @beyondcarolina8512
    @beyondcarolina8512 3 หลายเดือนก่อน +170

    Caleb and team, can we get one boring episode of an average income earner that doesn’t have insane debts or collections. Think “average American” . I know it won’t be as entertaining but could give some education to wide audience.

    • @hausofphid3966
      @hausofphid3966 3 หลายเดือนก่อน +83

      Sadly, these episodes ARE the average American. We'd need an "extraordinary American" episode to maybe crack a 5 on the scale.

    • @JD-ny9qj
      @JD-ny9qj 3 หลายเดือนก่อน +31

      The average American has this level of debt, what are you on about?

    • @stajia4694
      @stajia4694 3 หลายเดือนก่อน +17

      Haha yeah that’s not average, but yes that’d be fun. Maybe someone who is doing well financially but has big goals🤷🏽‍♀️I’d love to be on the show but we aren’t in a bad situation🤣I’d still want his opinion though on how to buy a house etc etc

    • @TylerDull
      @TylerDull 3 หลายเดือนก่อน +6

      I’m curious to know what an average Americans finances actually look like. I think they would be worse than expected due to several factors, but it would be refreshing if that wasn’t the case.

    • @Aagggyy
      @Aagggyy 3 หลายเดือนก่อน +15

      😅 This is the average American.

  • @squidwardbignose8362
    @squidwardbignose8362 3 หลายเดือนก่อน +94

    1 view in 26 seconds Caleb fell off

    • @CalebHammer
      @CalebHammer  3 หลายเดือนก่อน +21

      Whoopsie. Thanks for being a member!

  • @sarahperricone9171
    @sarahperricone9171 3 หลายเดือนก่อน +29

    Why does this guy look like every one of my brother's loser friends circa 2015

  • @sp-tn9yt
    @sp-tn9yt 3 หลายเดือนก่อน +9

    Caleb- can you make a special episode about pet insurance and what to look for in a policy? I have researched it and most of them have many, many exclusions to the point they don't make sense. I don't think I'm alone in this given the range of people who don't have it. I'm genuinely curious how you selected your policy.

  • @willmahan4161
    @willmahan4161 2 หลายเดือนก่อน +6

    Its crazy how many people say they can't afford to save up a $1000 emergency fund but are happy financing a $1200 iphone for 2 years 😂😂

    • @chesspwn7457
      @chesspwn7457 2 หลายเดือนก่อน

      Yeah, or need even have 1k going out in BS spending in a month or two. Like so many guests spend hundreds on BS spending and then complain about not having money for bills.

  • @aSimulatedBird
    @aSimulatedBird 3 หลายเดือนก่อน +48

    Caleb knew I was going to lunch at 11:00! Just in time for my sweet treat 🥳

    • @aSimulatedBird
      @aSimulatedBird 3 หลายเดือนก่อน +4

      Not sure if they just did a great job editing it out but I'd like to say: the lip smacking does not bother me. I can't even hear it but it's still funny to watch how much it bothers Caleb 😂

    • @marzdrizzle6787
      @marzdrizzle6787 3 หลายเดือนก่อน

      Did u just comment to yourself shit breath