You can tell he got insulted when Caleb said that he wouldn’t vote for him, based on what he knows about his finances and had to try and deflect. Every politician’s favorite tactic deflect
He got so mad at Caleb but he only said what everyone was already thinking. On top of that he kept making excuses and interrupting with a defensive attitude.
I HOPE people are smart enough to not vote for him if they see this. He doesn't just lack accountability, he's actively avoiding it like it's the plague, and FOR SURE deflecting like crazy.
He is trying to increase his exposure because he is running for office. This is decidedly NOT the kind of attention a would-be politician should be getting.
I can’t believe this guy tried to blame caleb for “not giving a clear strategy” all while refusing to do his part in holding himself accountable. He’ll make a great politician!
He even said he didn't rewatch the show... I mean, if you feel like you missed or didn't receive guidance... Maybe watch the vod again and take some notes lol
@@GREEDONOMICSThat says way less than you think it does. I'm an investment banker and grocery stores are overwhelming for me too. Not certain what happened to him, but trauma can break weird shit in your brain. I'm a successful professional with a master's degree and I still have a panic attack in the grocery store on occasion.
@@CSpottsGamingnot sure what you do for a living, but because I get panic attacks when surrounded by a lot of people, I don’t do any jobs where I’m expected to speak in front of crowds and I avoid rocking any boats at work, which is next to impossible for most politicians. I don’t go to the grocery store either. I get my groceries delivered. Then I only buy what I need. Walmart had a deal on their app for Walmart+ for $40 for the year around Black Friday, so I jumped for that deal. I don’t do any spontaneous purchases on junk food because I don’t see it while I’m at the store. Saves me money and calories and I don’t have to go among the crowds. Having social anxiety and being overwhelmed by crowds doesn’t stop one from grocery shopping. It does sound really weird when he is willing and able to be a politician though.
@@winry2357 I'm not especially anxious around people (I mean, a little social anxiety but nothing crippling). In my case, I'm pretty sure my grocery store issues are related to the fact that I was grocery shopping when I found out my dad was half dead in the hospital (he recovered, thankfully). My larger point, though, is that specific actions can cause you problems without pointing to some fundamental inadequacy in you. This guy can have anxiety about grocery stores without that meaning he's unfit to be in politics (in much the same way that my grocery store panic attacks don't mean I can't handle my high stress job). I love my grocery deliveries though. I don't get as panicky now as I once did so I would shop in person if it was feasible, but I have to walk there because of where I live and walking a long distance with groceries is complete ass.
I would like to personally thank this guy for coming to this audit(s) l. He made sure that he will never win any major elections in our country which makes me sleep just a little bit better.
If I went through an in person financial audit with Caleb and I later got confused about the plan - I’d just watch my episode again and again until I understood it. Excuses Excuses Excuses says it all!
He has three traits of a politician: Talks very rapidly in circles Dodges personal responsibility Makes lots of promises with very loose goals for a mythical future - no timeline, no detailed plan for success.
Men stormed the beaches of Normandy, sailed uncharted waters and lived off the land and their progeny is incapable of navigating a grocery store?! 🤯 He has no business being anywhere near an elected office.
To be fair, a lot of great accountants are terrible at their own money. And lots of doctors smoke. Know nothing about him and just started video though
To me it came off like he is embarrassed and feeling dumb and wanted some power back to make himself feel better so he tried to jab in the only way he could think of 🙄
Kudos to Caleb for taking this guy’s criticism of his show prep so well. It was kind of a wild accusation (though said politely by the guest) but on-camera and felt like a deflection. Caleb really does have a gift for communication and de-escalation.
That was wild. Caleb made it very clear he needed to stop eating out and stop taking out student loans. Didn't make him a budget? How is elementary math so difficult for so many adults??? Take your salary, deduct expenses, divy up what's leftover. It's so insanely simple. Dude is just allergic to accountability and addicted to playing the victim
My thought was like why wouldn’t you take the time to watch your old video and think about what you would talk about. That and folks that don’t even take the time to review their finances before hand. Like come a little prepared.
This guy actually blamed Caleb as the reason he didn’t progress since his original audit. Thinks his low-income background and financially illiterate parents are an appropriate excuse (which, depending on where he is in life can be valid), but then feels he should be able to bypass basic financial literacy that should be expected of a political candidate because of it… Mind-blowing. Maybe do a little more work on yourself and get all your ducks in a row before trying to manage a city of millions.
I can see all this changing his political views and his ideas on his own personal accountability. I wouldn’t want this guy to have any power in society tbh. He has low confidence and low ability to meet the basics, I know disabled people who handle life better, I couldn’t imagine what he can manage.
This is much deeper than not being told no. This is legit what happens when you go your whole life never getting your ass beat and humbled. This dude has never been made to feel human and recognize just how little he is. After that happens to someone, even once, they don’t act like this. It’s the same reason why anyone who actually works a real job, owns real businesses, ext will never vote left. I’m not even a republican but like, children will always act like children.
woke liberals from small towns tend to move to the larger metros to push their ideologies and push the life long residents out. Its been happening in Chicago for along time. mfs come from Montana or Kansas where they were outkast to move to the big city and try to run the show lol@@TS-gf6ou
Wouldn't even be a smear campaign in my mind. That's just informing the voters of the facts. I usually think of smear campaigns as stretching or misrepresenting your opponent as a means of distracting from your own shortcomings. You can literally just play these audits and it would (hopefully) tank this guy's bid for election. No spin required.
From making $14 and hour to choosing course careers and making $50k + commission. From $17k in debt to now only $1700 in debt which will be gone be the end of December. Caleb is the goat!
Course careers is great. I’m still in the process of getting a job using what I’ve learned off course careers but it’s been a big game changer to open up this new opportunity. I’ve applied to enough jobs to be told I’m a excellent candidate so now it’s just a matter of time when I get a job within what I learned on course careers. Keep it going, you’re doing great.
Caleb I cut every single one of my credit cards in half tonight. I am staring down $18k in credit card debt. I have been binging your videos for the last week and it made me be honest about my situation. While I make upper middle class money by myself it gets squandered away in interest every month. Thanks so much for opening my eyes. Not a credit card person.
You can do it! My wife and I paid off $30K in credit cards and paid off both vehicles early; all on one income. You can do this!! If it helps, neither of us have a college degree.
"Not being the worst of the worst doesn't make you good." Thank you, Caleb, for spelling it out for this budding politician. He thinks that we SHOULDN'T judge his ability to govern based upon how he handles his personal finances? Of course we should! Here's an idea - "make a difference" for a decade or two, and THEN come back and run for office when you have something to show besides a graduate degree and a pile of credit card debt from eating out every meal.
The thing that really hit me was how (it felt like) he was trying to throw Caleb under the bus. “I didn’t get clear direction from you” - but later confessed he didn’t go back to watch the video? Come on man, if you’re serious those small bumps in the road won’t prevent some kind of progress happening.
I came to the comments at 45:39 to thank Caleb for saying what we are all thinking👏🏻👏🏻 This guy doesnt care about his own financial future and wants to be in politics.
What a piece of work to sit there and accuse Caleb of not having been prepared for his first financial audit and to say he didn’t get any clear guidance the first time around. I just watched his previous episode and Caleb gave him tons of good, easy to follow guidance. Caleb is the man for not having been extremely offended by that comment. I would not have played it as cool. This guy basically blamed Caleb for why he didn’t take control of his spending habits after the first financial audit. Like take some responsibility for your own life and future. Damn. The dude is hopeless and I would not trust him in office.
This fella is already a politician. Will never admit he is wrong, avoids questions, deflects, blames others and tries to be unaccountable…..outstanding!
He's clueless about individual finances, like CLUELESS. Caleb nailed it with the push, hinting at "dude, you don't have what it takes" if he has any minimal intention of managing public funds. I hope people in his District watch this. These are the type of people who fund their lifestyle with other people's money because they can't manage to do it by themselves.
He should get his finances in order FIRST before becoming a candidate. I never understood how people can run for office, win, and have such horrible finances. Whereas those of us who as career Federal employees must undergo either a background investigation or security clearance to include a credit check.
It's a constitutional thing. Putting any kind of test requirement, besides for citizenship and age, on candidates could be used by a ruling party to knock out the competition. They could also be used against minorities.
This guy is running for my district. It's funny seeing all the restaurants he's spending money at. A good list of some places I want to try out some time lol
It's so interesting he talks about the student lifestyle like it's aimless spending and eating out. I always thought "living like a student" meant living on ramen (because it's cheap) and sleeping on a mattress on the floor (because you're broke).
I couldn't believe it when he started in on how Caleb could've done more for him. You're 26 years old with a masters degree, do you need him to hold your hand?
@@tobygrim7136 But his hand WAS held. It's one thing to whine about things being hard, it's another to just lie because he wants someone else to blame.
A lot of people have touched on it, but in the US, we get kicked out of the military for being financially unstable or having something in collections. It means something that he knows what it is like to live paycheck to paycheck and can relate to the "every day person". With that being said, if one isn't allowed to defend their country due to financial instability, why should they be allowed to be in charge of it? Just my two cents.
Maybe they shouldn't get a hellcat at 20% interest, run up credit cards on energy drinks, and buy property when they have no intention of paying their bills 😬
This guy would have made a great politician: he’s evasive, bad with finances, blames everyone else for his problems, and doesn’t listen. He will never actually be a politician because he just showed us all of those qualities in the audit. I hope he is sincere about fixing his finances, but the proof will reveal itself in time.
What a mess. Who would actually vote for this guy?! He can't manage his own finances...and when confronted about it, he gets defensive. Thank goodness Caleb called him out on it. There is already so much waste in city government. This guy would probably order out everyday and bill the city! I can't believe he actually tried to blame Caleb for not giving him a plan last time. WOW! What a jerk.
@@ashleelalasmith2792the dems in my area voted a 25 year old that lives at home into the state assembly… it’s absolutely ridiculous this petulant child writes laws that dictate the lives of adults in this state
Congrats on your first successful full year on TH-cam Caleb! I’m excited to see where you go with your channel. You put out great content which is both entertaining and informative. Hope you and your team enjoy the holiday break and we will see you guys in the new year when you take your time off here
@@jeromesampson8097welcome to politics* we have the same dipsh*ts here in europe. whenever a program hemorrhages money uselessly: "it was never meant to be profitable" when you ask why production costs for public TV are 11x those of private: "it's a public service"
He really said he’s not individually wealthy when he has almost 4k a month AND a house AND a 2k bike excuse excuse EXCUSE good on you Caleb for telling him the honest truth everyone is thinking , how disgusting of him to have such a huge ego he thinks he should be in charge of something for others
Caleb. I know this interview was awhile ago. But you showed true patience with this guy and I commend you. I was seething when he defended the public fund nonsense. Bless you sir. lol
Caleb, I'm really proud of you for calling him out and pushing him on not being able to handle his own finances. The fact that he kept making excuses and talking over you. I hope he sees this too, get your own stuff in order and then become better and run in the future.
I have an acquaintance who cant handle their personal finances to save their life. This person is also part of a city council and I cringe everytime I think about how they use city funds. Caleb's question/statement about handling money was completely justified.
From the bottom of my heart I wanna thank you Caleb for having your voice stuck in my head every time I try to go out to eat yelling at me not to waste money🤣🤣🤦♂️no sarcasm there at all I promise
The audacity of this guy to say Caleb wasn’t prepared when he clearly just didn’t care enough to put in the work is mind boggling. Excuses, excuses, excuses.
It's crazy hearing him saying there was no advice given but not even being on the show Caleb has helped me so much just watching these videos. There is TONS of information that can be taken away, the only way you couldn't get advice is if you are listening to have a response instead of listening to understand. Hope he get's his "guidance" he is referring to.
It should become legal practice to have to disclose your finances when becoming a candidate for any office. Minumum we gotta know how much debt they're in, credit score, and maybe an average income after taxes for the last 5yrs
I rather cap their ability to earn money do to their likeness. Taxes before you become a candidates doesn’t tell anyone you’re not going to do insider trading and take lobbyist money.
It’s interesting because for many high ranking positions in the private and public sector, (personal experience with law enforcement application) you have to disclose any debts. Incredible that those in charge of making policy decisions that affect all of us don’t have to show it.
@@brianasche6406yea why does he have every credit card out, a 100k condo, but his income is under 40k as he’s just getting out of college ? Oh wasn’t he the guy using his tuition to subsidize his eating habits? Seeing that 90m people on ebt food stamps, why aren’t we taxing student loans?! Who cares if they don’t start collecting payments til graduation when we have frauds like this maskarading around - GOOD THING he’s dumb enough to tell the world what he’s buying on the dime of everyone else right?!!! I don’t think he’s good enough for California, Texas, or any state.
hes already a politician. Caleb says the logical thing of “wow i may have a hard time trusting someone who is not good with finances to handle a citys finances” and his rebuttal is that he wants to “make a difference”. 48:02
Caleb’s actually changed my life for the better and i’m so glad all these financial videos reached me at 19 and not 40. I’ve learned so much from him in such a short period of time and I watch your videos literally almost every single day. I was stuck in the now mindset and you SNAPPED me out of it. I was spend, spend, spend until you taught me not having an emergency fund IS AN EMERGENCY. If you ever see this I owe thanks to you. You changed my mindset on money, and I know for a fact my lives been impacted 1000 fold for the better thanks to you. 🥂
Dude you sure you did not have and continue to have an income issue? Not having money because one does not outpace expenses is very common and some can't win because they don't make enough.....
@@donaldlyons17 Income is part of it but let’s not allow a less than satisfactory income to be an excuse. “Income issue” is not the heart of the problem. That excuse is what gets people into making excuses to not pay THEIR debt. The main problem in hand isn’t income, It’s behavioral, lack of financial literacy, and lack of financial discipline. People make financial obligations that they simply can’t afford. Therefore they’re the problem. Sure this could be an endless hole of debate but what it all comes down to is, the decisions YOU make for YOUR financial situation is what gets you where you are or eventually will be. It’s no one else fault.
@@donaldlyons17 From what I’ve seen. 90% of his audits are from people making extremely poor financial decisions. Not because they simply can’t afford to live.
@michaelodonnell9670 well I am sure the host selects against those who don’t make enough…. Also good decisions without income will come to nothing anyway!!
@@donaldlyons17 “People don’t make enough”. No, people are spending money they don’t have. That’s the source of their issue. If you’re not “making enough” to live, fund retirement, emergency funds, etc. Then GO MAKE MORE, find a new career, get certifications. There’s a lot more people can do, it’s just a lot aren’t willing to do it or know that they can. If they don’t, they’ll die on the walmart floor and no one else but them is to blame.
It seems like he does not want to dedicate the time to learning to cook, same way he didn’t before leaving home. Waiting to find a partner to take care of it for him possibly.
Being incapable of handling your finances leaves the impression that you won't be able to handle any budget that comes across your desk. This isn't even mentioning the fact that we, the people, would have to worry about whether or not you would become corrupt due to being in debt.
Goodness… his answers sounds just like any politician. A lots of “positive” sounding statements that doesn’t really mean much.. EDIT: OMG…. Him blaming Caleb for not being prepared.. if he knew all his own bad habits how is it Caleb and his teams fault. This guys political careers is going to be a rocky. Had the audacity to say that he lived a “frugal” life with eating out EVERYDAY! LAST EDIT: I’m sorry, I have no faith in this guy and his justifications. If he doesn’t get his own personal finances in control, voters will have no faith in his ability to work for the people. Love your work Caleb!!
The guy is wrong too. Governing your own finance shows a sense of discipline and responsibility. I would never vote for someone who's massively in debt and deflects blame to everyone else
Blaming Caleb's "lack of new advice" is like going to a health coach and they say "here's a meal plan. Eat this food in these portions and then do this workout 3 times a week and you will lose weight and be healthy" and since it's nothing fancy, you just ignore it and say they scammed you. There's no big secrets. It's just about controlling your spending, making decent money and saving up what's left
Even if the political office he’s going for does not directly deal with finances, you never want to have a politician who is vulnerable to outside monetary influence.
If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market.
I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market l'm grateful to Mrs Shanita 🙏🏻
He comes in and blames Caleb for not giving guidance in the last episode and yet he clearly did, and wants to run for city council. Austin, if you elect this guy good luck.
Really love seeing a follow up video! If you do more of these in the future I think it would be helpful to have a recap summary at the very top - remind us who they are, how long ago was their first audit, what their finances were like, and what you recommended. I feel like this would lend more context to the follow up discussion.
He's got a handful already. I like both the egirl gonna die in poverty again and he won't listen to me. They both actually made significant progress, even if it wasn't perfect.
So he wants to make decisions as a politician that could affect 1000’s of people, but he feels overwhelmed going to a grocery store? Good luck Austin; your going to need it! 😂😂😂😂😂😂😂
@@rosaleechanski3867I bet the residents outside of Austin love hearing people from the west coast moving in to Austin and keep saying “let’s keep Austin weird”.
@@rosaleechanski3867 Yup!! I live next door in San Antonio, but you can super feel the different vibe in Austin when I go there hahaha and yes!! so many!!
I agree with Caleb, it's a tough battle having personal bad financial habits and saying you can financially and govern a city. In the words of Uncle Ben, with great power comes great responsibility. God bless 😊
When i was in the military, my job required a criminal AND financial background check. If a person wishes to play around with public funds they should be able to pass those checks as well. Im not going to let you play with my money if you can't handle your own.
It definitely applies 😅you just have to tailor to your specific country but the fundamentals and discipline and strategies are 100% applicable. Do you live in Canada or Communism??
I came to be entertained, I love hearing the personal finance advice, I come away with food recommendations in Austin. I have a google maps list of places I want to visit the next time I am in Austin. Thank you Caleb! About half of what I’ve compiled so far is from your videos!
I just told my husband that Austin has more restaurants that I would like to try. I live in Texas and the next time we are through there I want to try some.😊
This guy needs to take accountability and stop mentioning others shortcomings as the reason for his situation. He was told to cut out the nonsense food spending. It was 1000% on him for not correcting that. "Poor me, you didnt give me a plan caleb, you werent prepared!" Get outta here.
To build on this - also, so what if other guests have worse situations? Some of those folks paying insane interest rates actually seemed willing and hungry for Caleb’s help (unlike this dude). His inability to take responsibility for anything is exhausting.
I agree with the personal financial critique. Too many are in government that weren’t responsible with their finances prior to getting a job on the tax-payers tit, then they vote for more handouts and to have their liabilities “forgiven”.
Hey Caleb as someone who is currently on the SAVE plan for student loan repayment I just wanted to let you know that you are misinterpreting what the plan actually does. If you are on the SAVE plan interest does NOT accrue. Depending on your income your minimum monthly payment is also very very low. For borrowers that make under 37,000$ a year the minimum monthly payment is 0$. Being that this guy only makes about 40,000$ I believe his payment would be only about 20$ a month which could really help him however the SAVE repayment plan is capped at a certain income somewhere in the 100,000$ a year range. So every person will be different but one thing stays the same. No interest accrual. It works very well for borrowers with high interest rates or large balances. I think it would be a great tool for this guy to at least focus on his other debts and gain wealth before deciding to fully pay them off.
For everyone worrying whether this guy will make it as a politician... he wont. There is no need to worry 😂If he's getting this defensive in a youtube video, he will never survive campaigning, the opposition will rip him apart. He is already arguing with a tax payer "It's not YOUR property taxes Caleb, it's HiStOriCaL funds from taxes" 🤣 I can't imagine what garbage he will respond with when he has to engage with actual constituents.
I like how Caleb returned the jab with not voting for him and he took it personally lmao. Sitting there stating how Caleb was 'unprepared' the previous time but not being able to take criticism is wild
This show has given me so much insight. As well ive now implemented a new idea to pay off debts (maybe its dumb, idk) but if I am ever going to order out/buy something I DONT need, I find that total and then pay that amount into lowering my debt.
I don’t want to say it’s dumb, but I feel like it’s pretty counter-productive to your goal of getting out of debt. Ordering out and buying things you don’t need will just extend the amount of time you’re paying off debt. It took me like a decade to pay off my credit cards because I wasn’t disciplined on those things you mentioned. It’s hard to buckle down and stick to the budget, but it’s so worth it.
@@jakeryan9689 I’ll fully admit that I completely misread what you said initially, that’s on me. I didn’t realize you were not going through with these purchases. In any case, keep up the good work!
This guy I wildddd! We’re the same age and he is so unaware of what he’s doing… I don’t know how people convince themselves that grocery stores are intimidating? Is no retirement plan not more intimidating/stressful? Jeez…
I dont know man when anxiety is high a lot of things are intimidating People, choices, decisions is everyone judging me I'm not saying this guy is in any way right (because pick up is a thing you don't even have to go in the store) but the most random things can become intimidating Probably not the thing you want the absolute most in your politician though
@@tisi9756 ohh for sure! I’ve had my fair share of moments when I’ve become overwhelmed with what seems like easy decisions or tasks. It’s a massive strain on the mind and even body, so that when something as simple as getting out to take care of finances or groceries, or even to see friends, becomes hard! It takes guts to get roasted by Caleb, I know I don’t do everything right so I would definitely be intimidated… Hopefully he can get things straight and have a great run in his career🤘
Yes Caleb I agree with you, ANYONES values and morals are reflected in where they spend their time and their money.....his priorities are reflected in his spending and lack of maturity.
![[Live สด] การออกรางวัลสลากกินแบ่งรัฐบาล งวดวันที่ 16 พฤศจิกายน 2567](http://i.ytimg.com/vi/wPd7VFfWHIA/mqdefault.jpg)
Dodging questions, avoiding accountability, and paragraph answers when unnecessary? This guy is going to do great in politics.
He's got the meaningless ramble down too. Lots of platitudes and jumbles of words that don't actually mean anything.
He’s got my vote, I LOVE when progress doesn’t happen.
Well, some voters are stupid enough to admire that kind of flexing and to identify with the debt slave decision making.
I hope this video destroys any career he wanted in politics
And don’t forget the unnecessary spending. Can’t be a politician if you don’t spend loads of money on bs
Dudes going to go far in politics. “ I’m committed to change. I want to change” *does exactly the same thing he always does*
Good at bullish!tting 👌
Sounds about right
Hahaha exactly what I was thinking.
😂😂😂
He’s already talking like a politician. Even the little debate there was deflecting blame like a good politician knows how’s to do.
You can tell he got insulted when Caleb said that he wouldn’t vote for him, based on what he knows about his finances and had to try and deflect. Every politician’s favorite tactic deflect
There are politicians of all stripes who are terrible with personal finances. They are more likely to be pawns of other interests.
dudes delulu
He got so mad at Caleb but he only said what everyone was already thinking. On top of that he kept making excuses and interrupting with a defensive attitude.
I thought the same thing. I would not trust this guy with any city finances.
I HOPE people are smart enough to not vote for him if they see this. He doesn't just lack accountability, he's actively avoiding it like it's the plague, and FOR SURE deflecting like crazy.
He’s back on the show to let us know that he got a raise 😊 nothing else change since the first time
^^ EXACTLY. AND he will increase his spending to match that raise.
And maybe to low-key announce his candidacy for city council 😅
He is trying to increase his exposure because he is running for office. This is decidedly NOT the kind of attention a would-be politician should be getting.
And thinks it’s a good look for his “campaign”.
Caleb is absolutely right. I cannot trust anyone to manage public funds, if they cannot manage their own personal finances.
I can’t believe this guy tried to blame caleb for “not giving a clear strategy” all while refusing to do his part in holding himself accountable. He’ll make a great politician!
How was he supposed to know he shouldn’t blow half his money on chick fil a???
That part actually had me with a jaw drop. Like wtf.
Exactly! If I was Caleb I would have exploded at that asinine comment.
He even said he didn't rewatch the show... I mean, if you feel like you missed or didn't receive guidance...
Maybe watch the vod again and take some notes lol
Reminds me of The Last King of Scotland. It's your fault because you didn't convince me.
All due respect, if dude gets stressed by handling his personal finances thats a red flag to not elect him to any public office.
not only that, he also finds going to the grocery store "overwhelming"
@@GREEDONOMICSThat says way less than you think it does.
I'm an investment banker and grocery stores are overwhelming for me too. Not certain what happened to him, but trauma can break weird shit in your brain. I'm a successful professional with a master's degree and I still have a panic attack in the grocery store on occasion.
@@CSpottsGamingnot sure what you do for a living, but because I get panic attacks when surrounded by a lot of people, I don’t do any jobs where I’m expected to speak in front of crowds and I avoid rocking any boats at work, which is next to impossible for most politicians. I don’t go to the grocery store either. I get my groceries delivered. Then I only buy what I need. Walmart had a deal on their app for Walmart+ for $40 for the year around Black Friday, so I jumped for that deal. I don’t do any spontaneous purchases on junk food because I don’t see it while I’m at the store. Saves me money and calories and I don’t have to go among the crowds. Having social anxiety and being overwhelmed by crowds doesn’t stop one from grocery shopping. It does sound really weird when he is willing and able to be a politician though.
@@winry2357 I'm not especially anxious around people (I mean, a little social anxiety but nothing crippling).
In my case, I'm pretty sure my grocery store issues are related to the fact that I was grocery shopping when I found out my dad was half dead in the hospital (he recovered, thankfully).
My larger point, though, is that specific actions can cause you problems without pointing to some fundamental inadequacy in you. This guy can have anxiety about grocery stores without that meaning he's unfit to be in politics (in much the same way that my grocery store panic attacks don't mean I can't handle my high stress job).
I love my grocery deliveries though. I don't get as panicky now as I once did so I would shop in person if it was feasible, but I have to walk there because of where I live and walking a long distance with groceries is complete ass.
@@CSpottsGaming yeah, I guess I can see what you mean. It’s the crowds for me. I can’t handle people.
A politician who can’t handle finances…wish I was surprised.
So true.
That's odd. Normally politicians are worth millions on a sub 200k salary. Hmmmmm
Best part is they always have a solution. MORE TAXES
The real question we should be asking is why do the people who choose politics have such negative traits, and why do the voters not care?
@@jocarson5310 because they all lie, say what you wanna hear in public while doing the opposite behind closed doors.
I would like to personally thank this guy for coming to this audit(s) l. He made sure that he will never win any major elections in our country which makes me sleep just a little bit better.
If I went through an in person financial audit with Caleb and I later got confused about the plan - I’d just watch my episode again and again until I understood it. Excuses Excuses Excuses says it all!
They also have Caleb's number for additional advice or questions...
How do you mess up with those advantages in mind?!
They even have a discord server too like how?
I literally want to go just to have the video on repeat while I work 😂😂😂
He has three traits of a politician:
Talks very rapidly in circles
Dodges personal responsibility
Makes lots of promises with very loose goals for a mythical future - no
timeline, no detailed plan for success.
"Going to the grocery store is overwhelming"
And you want to be a city planner?!?!
Men stormed the beaches of Normandy, sailed uncharted waters and lived off the land and their progeny is incapable of navigating a grocery store?! 🤯 He has no business being anywhere near an elected office.
Wanted to make the same comment and found yours 😂
@@KaLeCaFethe men who stormed Normandy had their wives go to the grocery store 😂
We don’t need more politicians that can’t budget. Guy is youngish and needs to be serious and mature to hold office. Obviously he is not.
To be fair, a lot of great accountants are terrible at their own money. And lots of doctors smoke. Know nothing about him and just started video though
Yeah because ur half dead antique of a president is so great with finances right?
I think we just don't need career politicians. Live in the nation, then run for office.
This guy is exactly what is wrong with this country. Gets two bs degrees then runs for office.
@@JJ-zr6fuwhere would we be without urban studies majors?
One thing this guy has is the audacity. I can’t believe he questioned Caleb’s preparedness. If you think he’s unprepared why did you come back.
To announce his candidacy duh😂
Especially when he admitted and showed that he had done non of the changes caleb suggested🤦🏾♀️
To me it came off like he is embarrassed and feeling dumb and wanted some power back to make himself feel better so he tried to jab in the only way he could think of 🙄
Seriously
@@1juliasanahe was def trying to protect his ego.
Kudos to Caleb for taking this guy’s criticism of his show prep so well. It was kind of a wild accusation (though said politely by the guest) but on-camera and felt like a deflection. Caleb really does have a gift for communication and de-escalation.
Ok when he started criticizing his initial audit saying it wasn’t well put together had me seething. Like dude, watch the video. The plan was CLEAR.
That was wild. Caleb made it very clear he needed to stop eating out and stop taking out student loans. Didn't make him a budget? How is elementary math so difficult for so many adults??? Take your salary, deduct expenses, divy up what's leftover. It's so insanely simple. Dude is just allergic to accountability and addicted to playing the victim
My thought was like why wouldn’t you take the time to watch your old video and think about what you would talk about. That and folks that don’t even take the time to review their finances before hand. Like come a little prepared.
I just watched the first one and good lord nothing has changed with this guy and now he wants to control tax payer dollars?!
This guy actually blamed Caleb as the reason he didn’t progress since his original audit. Thinks his low-income background and financially illiterate parents are an appropriate excuse (which, depending on where he is in life can be valid), but then feels he should be able to bypass basic financial literacy that should be expected of a political candidate because of it… Mind-blowing. Maybe do a little more work on yourself and get all your ducks in a row before trying to manage a city of millions.
Never valid.
Not to mention his parents pay his phone bill and car insurance… and blames them for his bad spending habits??
I can see all this changing his political views and his ideas on his own personal accountability. I wouldn’t want this guy to have any power in society tbh. He has low confidence and low ability to meet the basics, I know disabled people who handle life better, I couldn’t imagine what he can manage.
District 7 better watch out
That’s never a valid excuse
“Going grocery shopping is something I find a little bit overwhelming”
-Guy who wants your vote to run a city.
In no universe should politicians have to be wealthy, but we should be entitled to see how they handle their personal finances. It says A LOT.
Dude’s parents still pay for his cell phone and he wants to run a city. 😂
Some people never got told “No” as children.
This is much deeper than not being told no. This is legit what happens when you go your whole life never getting your ass beat and humbled.
This dude has never been made to feel human and recognize just how little he is.
After that happens to someone, even once, they don’t act like this.
It’s the same reason why anyone who actually works a real job, owns real businesses, ext will never vote left.
I’m not even a republican but like, children will always act like children.
@@NateHollins Your comment is terrifying and I hope to you don't have children.
Caleb immediately correcting him at the end when he said likes to spend his money locally, was gold
Yotch!!!! 😂 I know! Soooo so good!
As an Austin resident, this guy is the last person we need on city council
I can see this guy giving himself a 40% pay increase, just like the other city councils in Austinifornia.
@@Eclipse-2024gofit to be fair he’s from Wichita Falls lol
woke liberals from small towns tend to move to the larger metros to push their ideologies and push the life long residents out. Its been happening in Chicago for along time. mfs come from Montana or Kansas where they were outkast to move to the big city and try to run the show lol@@TS-gf6ou
Spread the word. You're in his district.
is $66 for that default hair cut a regular Austin price??
If I ran against this guy I would just use this audit in my smear campaign lol
It will make for great opposition research….
Another candidate could just play this video. 😢
Wouldn't even be a smear campaign in my mind. That's just informing the voters of the facts. I usually think of smear campaigns as stretching or misrepresenting your opponent as a means of distracting from your own shortcomings. You can literally just play these audits and it would (hopefully) tank this guy's bid for election. No spin required.
Poor people are easily bribed by anyone. He would definitely take money and make millions like all the other democrats.
Please do
From making $14 and hour to choosing course careers and making $50k + commission. From $17k in debt to now only $1700 in debt which will be gone be the end of December. Caleb is the goat!
Heck yeah! Way to go!!!
Word. Looks like the professor put a little extra chemical know how in your mix.
Obligatory "leeeeeeeet's goooo!"
Course careers is great. I’m still in the process of getting a job using what I’ve learned off course careers but it’s been a big game changer to open up this new opportunity. I’ve applied to enough jobs to be told I’m a excellent candidate so now it’s just a matter of time when I get a job within what I learned on course careers. Keep it going, you’re doing great.
Congrats ! Hope 2024 is the best year of your life, so far at least
What course did you choose?
Caleb I cut every single one of my credit cards in half tonight. I am staring down $18k in credit card debt. I have been binging your videos for the last week and it made me be honest about my situation. While I make upper middle class money by myself it gets squandered away in interest every month. Thanks so much for opening my eyes. Not a credit card person.
You can do it! My wife and I paid off $30K in credit cards and paid off both vehicles early; all on one income.
You can do this!! If it helps, neither of us have a college degree.
"Not being the worst of the worst doesn't make you good." Thank you, Caleb, for spelling it out for this budding politician. He thinks that we SHOULDN'T judge his ability to govern based upon how he handles his personal finances? Of course we should! Here's an idea - "make a difference" for a decade or two, and THEN come back and run for office when you have something to show besides a graduate degree and a pile of credit card debt from eating out every meal.
The thing that really hit me was how (it felt like) he was trying to throw Caleb under the bus. “I didn’t get clear direction from you” - but later confessed he didn’t go back to watch the video? Come on man, if you’re serious those small bumps in the road won’t prevent some kind of progress happening.
And "the Discord link expired". What a clown.
He could've also contacted caleb about it I'm sure caleb would've helped him understand
@@mmp495 Which makes his potshot at Caleb ("I didn't feel like you were prepared" (paraphrased)) make even less sense.
I came to the comments at 45:39 to thank Caleb for saying what we are all thinking👏🏻👏🏻 This guy doesnt care about his own financial future and wants to be in politics.
To back Caleb up, I also would not vote for someone who can not manage his own finances to manage a city's finances.
What a piece of work to sit there and accuse Caleb of not having been prepared for his first financial audit and to say he didn’t get any clear guidance the first time around.
I just watched his previous episode and Caleb gave him tons of good, easy to follow guidance. Caleb is the man for not having been extremely offended by that comment. I would not have played it as cool.
This guy basically blamed Caleb for why he didn’t take control of his spending habits after the first financial audit. Like take some responsibility for your own life and future. Damn.
The dude is hopeless and I would not trust him in office.
This fella is already a politician. Will never admit he is wrong, avoids questions, deflects, blames others and tries to be unaccountable…..outstanding!
He's clueless about individual finances, like CLUELESS. Caleb nailed it with the push, hinting at "dude, you don't have what it takes" if he has any minimal intention of managing public funds.
I hope people in his District watch this. These are the type of people who fund their lifestyle with other people's money because they can't manage to do it by themselves.
Hope so, too.😢
He should get his finances in order FIRST before becoming a candidate.
I never understood how people can run for office, win, and have such horrible finances. Whereas those of us who as career Federal employees must undergo either a background investigation or security clearance to include a credit check.
It's actually a requirement to be bad in finances to be in government 😂
Credit check is for fraud/ conflicts of interest , not to see if you are in debt lol
It's a constitutional thing. Putting any kind of test requirement, besides for citizenship and age, on candidates could be used by a ruling party to knock out the competition. They could also be used against minorities.
I think every voter should know the finances of every candidate. This would reflect how he/she approaches spending our money.
@@EmranAmin4 The Federal government wants to know about debt and bankruptcy when applying as well.
Seems like such a flake. Always excuses, never direct answers. I'm nervous for the district he's running for.
This guy is running for my district. It's funny seeing all the restaurants he's spending money at. A good list of some places I want to try out some time lol
how did he do?
@@ii-beans-5765wanna know too
It's so interesting he talks about the student lifestyle like it's aimless spending and eating out. I always thought "living like a student" meant living on ramen (because it's cheap) and sleeping on a mattress on the floor (because you're broke).
I wonder how being a city councilman will pan out when getting groceries is anxiety inducing 🤔
He will be able to siphon more than enough tax dollars to feed his fast food habit. He'll be fine.
especially when constituents will stop him in the aisles to talk to or berate him
Love how he starts blaming Caleb around 38:00. I wouldn’t wish this political wannabe on anyone; he can be bought for pennies
I couldn't believe it when he started in on how Caleb could've done more for him. You're 26 years old with a masters degree, do you need him to hold your hand?
The zoom to Caleb's face was the best response. The audacity.
Yeah “you didn’t offer me a budget” 🥱🙄
@@tobygrim7136 But his hand WAS held. It's one thing to whine about things being hard, it's another to just lie because he wants someone else to blame.
And if he felt that way… why did he come back? 😂
A lot of people have touched on it, but in the US, we get kicked out of the military for being financially unstable or having something in collections. It means something that he knows what it is like to live paycheck to paycheck and can relate to the "every day person". With that being said, if one isn't allowed to defend their country due to financial instability, why should they be allowed to be in charge of it? Just my two cents.
@@Ryan-wx1bi my roommate, my old flight commander 🤷🏼♀️
Maybe they shouldn't get a hellcat at 20% interest, run up credit cards on energy drinks, and buy property when they have no intention of paying their bills 😬
Right. If someone doesn't even have the self discipline to stop eating out, then they do not have my trust to avoid the temptation to be corrupt.
I don't think I've ever met a financially stable military member lol... Tons of guys in the private sector AFTER leaving, but never active.
@@Ryan-wx1bi😂 I ain't mad about it. I make the same base pay as any other E-6 and I've never slept in a tent.
Im an alcoholic and drink every day, (im starting to get help) but i think this dude spent more on food than i did on booze which is truly impressive
Hope your recovery is going well ❤
@idalarsson6417 thats very kind of you, thank you!
I hope it goes well! The fight is worth it!!
This comment is 5 months old, how are you doing now?
This guy would have made a great politician: he’s evasive, bad with finances, blames everyone else for his problems, and doesn’t listen. He will never actually be a politician because he just showed us all of those qualities in the audit. I hope he is sincere about fixing his finances, but the proof will reveal itself in time.
This type of person he is are exactly the people fast tracking the death of our society 🤷♂️
What a mess. Who would actually vote for this guy?! He can't manage his own finances...and when confronted about it, he gets defensive. Thank goodness Caleb called him out on it. There is already so much waste in city government. This guy would probably order out everyday and bill the city! I can't believe he actually tried to blame Caleb for not giving him a plan last time. WOW! What a jerk.
Dems Dems would vote for this guy
@@ashleelalasmith2792 Yup. He's literally running on diversity. Dems are the only ones that will en masse vote for him.
He’s bringing them California policies to Texas, we alll wondered when it was going to happen
I'm voting for him. He's got a good platform. Bird bird biscuit.
@@ashleelalasmith2792the dems in my area voted a 25 year old that lives at home into the state assembly… it’s absolutely ridiculous this petulant child writes laws that dictate the lives of adults in this state
Congrats on your first successful full year on TH-cam Caleb!
I’m excited to see where you go with your channel. You put out great content which is both entertaining and informative.
Hope you and your team enjoy the holiday break and we will see you guys in the new year when you take your time off here
Thanks so much!!
A politician that has no control over his own money, but is expected to control the city’s spending? 🤣😂
Sounds like Canadian politics
But, but, but it’s different. It makes him one of the little people.
welcome to american politics
@@jeromesampson8097welcome to politics* we have the same dipsh*ts here in europe.
whenever a program hemorrhages money uselessly: "it was never meant to be profitable"
when you ask why production costs for public TV are 11x those of private: "it's a public service"
He really said he’s not individually wealthy when he has almost 4k a month AND a house AND a 2k bike excuse excuse EXCUSE good on you Caleb for telling him the honest truth everyone is thinking , how disgusting of him to have such a huge ego he thinks he should be in charge of something for others
Caleb. I know this interview was awhile ago. But you showed true patience with this guy and I commend you. I was seething when he defended the public fund nonsense. Bless you sir. lol
Politicians with money problems lead to increased corruption. Get your house in order before you try to go onto a larger, more powerful house.
This is not a paid service. How dare you say he wasn’t prepared
Caleb, I'm really proud of you for calling him out and pushing him on not being able to handle his own finances. The fact that he kept making excuses and talking over you. I hope he sees this too, get your own stuff in order and then become better and run in the future.
I have an acquaintance who cant handle their personal finances to save their life. This person is also part of a city council and I cringe everytime I think about how they use city funds. Caleb's question/statement about handling money was completely justified.
The fact that someone is running for public office that gets overwhelmed at the grocery store is mind blowing
But explains a lot
This is probably the worst thing he could do if he actually wants to win an election lol
He can’t win any type of contest. He’s a beta male, has 0 discipline and admitted he doesn’t think he can win 😂
People who think like him will vote for him. He becomes their proxy.
Literally shooting himself in the foot 😂
When he comes back and everything’s all good then that will help him
I don’t live in Texas but I hope he doesn’t win 😅
From the bottom of my heart I wanna thank you Caleb for having your voice stuck in my head every time I try to go out to eat yelling at me not to waste money🤣🤣🤦♂️no sarcasm there at all I
promise
And thank you for your support!
The audacity of this guy to say Caleb wasn’t prepared when he clearly just didn’t care enough to put in the work is mind boggling. Excuses, excuses, excuses.
It's crazy hearing him saying there was no advice given but not even being on the show Caleb has helped me so much just watching these videos. There is TONS of information that can be taken away, the only way you couldn't get advice is if you are listening to have a response instead of listening to understand. Hope he get's his "guidance" he is referring to.
Caleb! And team! Thank you for linking the previous video. I love to see things from the start so it’s nice to be able to find it easily.
It should become legal practice to have to disclose your finances when becoming a candidate for any office. Minumum we gotta know how much debt they're in, credit score, and maybe an average income after taxes for the last 5yrs
And also cap that their net worth cannot grow more than their annual income per year plus market growth.
Including the phone bill and car insurance that your parents still pay for you…. Oof.
Definitely, if I saw his spending habits , my vote would be a big “NO”.
I rather cap their ability to earn money do to their likeness. Taxes before you become a candidates doesn’t tell anyone you’re not going to do insider trading and take lobbyist money.
It’s interesting because for many high ranking positions in the private and public sector, (personal experience with law enforcement application) you have to disclose any debts. Incredible that those in charge of making policy decisions that affect all of us don’t have to show it.
He’ll make a perfect politician… spending money he doesn’t have on stuff he doesn’t need
Great for California but not Texas.
@@brianasche6406yea why does he have every credit card out, a 100k condo, but his income is under 40k as he’s just getting out of college ? Oh wasn’t he the guy using his tuition to subsidize his eating habits? Seeing that 90m people on ebt food stamps, why aren’t we taxing student loans?! Who cares if they don’t start collecting payments til graduation when we have frauds like this maskarading around - GOOD THING he’s dumb enough to tell the world what he’s buying on the dime of everyone else right?!!! I don’t think he’s good enough for California, Texas, or any state.
I wouldn’t let this man run a lemonade stand
Fully agree!😢
Best comment. 🤣🤣
😂😂
😂💀😭🤣🤣
hes already a politician. Caleb says the logical thing of “wow i may have a hard time trusting someone who is not good with finances to handle a citys finances” and his rebuttal is that he wants to “make a difference”. 48:02
Caleb’s actually changed my life for the better and i’m so glad all these financial videos reached me at 19 and not 40. I’ve learned so much from him in such a short period of time and I watch your videos literally almost every single day. I was stuck in the now mindset and you SNAPPED me out of it. I was spend, spend, spend until you taught me not having an emergency fund IS AN EMERGENCY. If you ever see this I owe thanks to you. You changed my mindset on money, and I know for a fact my lives been impacted 1000 fold for the better thanks to you. 🥂
Dude you sure you did not have and continue to have an income issue? Not having money because one does not outpace expenses is very common and some can't win because they don't make enough.....
@@donaldlyons17 Income is part of it but let’s not allow a less than satisfactory income to be an excuse. “Income issue” is not the heart of the problem. That excuse is what gets people into making excuses to not pay THEIR debt. The main problem in hand isn’t income, It’s behavioral, lack of financial literacy, and lack of financial discipline. People make financial obligations that they simply can’t afford. Therefore they’re the problem. Sure this could be an endless hole of debate but what it all comes down to is, the decisions YOU make for YOUR financial situation is what gets you where you are or eventually will be. It’s no one else fault.
@@donaldlyons17 From what I’ve seen. 90% of his audits are from people making extremely poor financial decisions. Not because they simply can’t afford to live.
@michaelodonnell9670 well I am sure the host selects against those who don’t make enough…. Also good decisions without income will come to nothing anyway!!
@@donaldlyons17 “People don’t make enough”. No, people are spending money they don’t have. That’s the source of their issue. If you’re not “making enough” to live, fund retirement, emergency funds, etc. Then GO MAKE MORE, find a new career, get certifications. There’s a lot more people can do, it’s just a lot aren’t willing to do it or know that they can. If they don’t, they’ll die on the walmart floor and no one else but them is to blame.
"I'm a foodie" after Caleb lists 10 fast food restaurants on his card 😂😂😂
Foodie is another word for "I'm too lazy to cook"
Foodie is eating good looking stuff and eating well. This guy is binge eating on junk
Foodies like trying out well prepared food, and generally like cooking to try out new dishes. I'm a foodie, i don't consider fastfood as food.
@@moimeself1088a foodie isn’t a real thing it’s just somebody making up a polite or less self deprecating way to be a fatty
Finding grocery shopping overwhelming while simultaneously running for office is bizarre.
It seems like he does not want to dedicate the time to learning to cook, same way he didn’t before leaving home. Waiting to find a partner to take care of it for him possibly.
He just solidified his loss, why would you do this if you’re running for office….
Visibility
Being incapable of handling your finances leaves the impression that you won't be able to handle any budget that comes across your desk.
This isn't even mentioning the fact that we, the people, would have to worry about whether or not you would become corrupt due to being in debt.
All politicians need to go through a public financial audit. If you can’t handle your money then you can’t handle my money
I absolutely hate when people say “ well I have to eat..” when it comes to fast food.
Me too. It's cheaper to buy fresh vegetables and meats and its so much healthier!
The fun part for me in this episode was chuckling every time he sounded like a true politician. Everything is promises and just talking around it 😂
💯 he totally took that politican tone!
Goodness… his answers sounds just like any politician. A lots of “positive” sounding statements that doesn’t really mean much.. EDIT: OMG…. Him blaming Caleb for not being prepared.. if he knew all his own bad habits how is it Caleb and his teams fault. This guys political careers is going to be a rocky. Had the audacity to say that he lived a “frugal” life with eating out EVERYDAY! LAST EDIT: I’m sorry, I have no faith in this guy and his justifications. If he doesn’t get his own personal finances in control, voters will have no faith in his ability to work for the people.
Love your work Caleb!!
The guy is wrong too. Governing your own finance shows a sense of discipline and responsibility. I would never vote for someone who's massively in debt and deflects blame to everyone else
Blaming Caleb's "lack of new advice" is like going to a health coach and they say "here's a meal plan. Eat this food in these portions and then do this workout 3 times a week and you will lose weight and be healthy" and since it's nothing fancy, you just ignore it and say they scammed you. There's no big secrets. It's just about controlling your spending, making decent money and saving up what's left
Running for city council while his parents are paying his phone bill. Yikes
We have a state assemblymen from my city that is 25 and lives at home…. The people that vote around me genuinely disgust me.
There is a difference between financial struggle from the hand you were dealt and struggle from poor decision making.
Even if the political office he’s going for does not directly deal with finances, you never want to have a politician who is vulnerable to outside monetary influence.
We need a big tribute/thank you to all the people who come on this show. ❤ Thank you.
If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you, prevent inflation from eroding your savings, build generational wealth, and cultivate good habits and financial knowledge, you must be in the market.
I started paying more attention to stock and learning more about online trades
Meeting with someone genuinely good at the financial market was a break through for me
You are right.!
That is why I had to start forex trading 2months ago and I now am making benefits from it..
I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market l'm grateful to Mrs Shanita 🙏🏻
Amen, Caleb bringing the heat calling out the hypocrisy of politicians
He comes in and blames Caleb for not giving guidance in the last episode and yet he clearly did, and wants to run for city council. Austin, if you elect this guy good luck.
Really love seeing a follow up video! If you do more of these in the future I think it would be helpful to have a recap summary at the very top - remind us who they are, how long ago was their first audit, what their finances were like, and what you recommended. I feel like this would lend more context to the follow up discussion.
He's got a handful already. I like both the egirl gonna die in poverty again and he won't listen to me. They both actually made significant progress, even if it wasn't perfect.
Caleb giving this guy a reality check on him managing financials. Was brilliant
Said like a true politician. Dodging the question, not talking responsibly and just straight up lying
So he wants to make decisions as a politician that could affect 1000’s of people, but he feels overwhelmed going to a grocery store?
Good luck Austin; your going to need it!
😂😂😂😂😂😂😂
Bruh it's not just Austin. It's the whole damn country, we're fucked.
Sounds like a perfect Democrat for Austin, doesnt care about how money is spent.
All the Austin episodes are hilarious. I’m from Texas, but there’s a reason why they call Austin “Little California”. So many BAFOONS there. 🙄
@@rosaleechanski3867I bet the residents outside of Austin love hearing people from the west coast moving in to Austin and keep saying “let’s keep Austin weird”.
@@rosaleechanski3867 Yup!! I live next door in San Antonio, but you can super feel the different vibe in Austin when I go there hahaha and yes!! so many!!
I agree with Caleb, it's a tough battle having personal bad financial habits and saying you can financially and govern a city.
In the words of Uncle Ben, with great power comes great responsibility.
God bless 😊
The way he pushes back on literally everything is icky and shows his immaturity...definitely meant to be a poltician😂
If I was this dude's political advisor, I'd have a heart attach seeing this video
When i was in the military, my job required a criminal AND financial background check. If a person wishes to play around with public funds they should be able to pass those checks as well. Im not going to let you play with my money if you can't handle your own.
I'm so addicted to these videos 🎉 i'm Canadian so it doesn't all apply, but you've done wonders for changing my mindset, thanks Caleb! ❤
Thank you!
Same here, living in Norway. Still fun to watch.
Woot! Canada Represent ❤
It definitely applies 😅you just have to tailor to your specific country but the fundamentals and discipline and strategies are 100% applicable. Do you live in Canada or Communism??
@@andyfumo8931 Canada's economy right now makes $250/mo on groceries and
I came to be entertained, I love hearing the personal finance advice, I come away with food recommendations in Austin. I have a google maps list of places I want to visit the next time I am in Austin. Thank you Caleb! About half of what I’ve compiled so far is from your videos!
I just told my husband that Austin has more restaurants that I would like to try. I live in Texas and the next time we are through there I want to try some.😊
I first learned about bird bird biscuit from this dudes first audit video and it’s so good
This guy needs to take accountability and stop mentioning others shortcomings as the reason for his situation. He was told to cut out the nonsense food spending. It was 1000% on him for not correcting that. "Poor me, you didnt give me a plan caleb, you werent prepared!" Get outta here.
To build on this - also, so what if other guests have worse situations? Some of those folks paying insane interest rates actually seemed willing and hungry for Caleb’s help (unlike this dude). His inability to take responsibility for anything is exhausting.
Of course it's not his fault. And he's being attacked by this guy called Caleb. Constructive criticism is harmful to his emotional wellbeing😂😂
He got ARGUMENTATIVE towards the end 😂 . Caleb has a great point. If you cant handle your own finances, who are you to handle cities/ towns finances
I agree with the personal financial critique. Too many are in government that weren’t responsible with their finances prior to getting a job on the tax-payers tit, then they vote for more handouts and to have their liabilities “forgiven”.
Hey Caleb as someone who is currently on the SAVE plan for student loan repayment I just wanted to let you know that you are misinterpreting what the plan actually does.
If you are on the SAVE plan interest does NOT accrue. Depending on your income your minimum monthly payment is also very very low. For borrowers that make under 37,000$ a year the minimum monthly payment is 0$. Being that this guy only makes about 40,000$ I believe his payment would be only about 20$ a month which could really help him however the SAVE repayment plan is capped at a certain income somewhere in the 100,000$ a year range. So every person will be different but one thing stays the same. No interest accrual.
It works very well for borrowers with high interest rates or large balances. I think it would be a great tool for this guy to at least focus on his other debts and gain wealth before deciding to fully pay them off.
I live for Caleb’s channel. He’s SO inspiring and knowledgeable!
For everyone worrying whether this guy will make it as a politician... he wont. There is no need to worry 😂If he's getting this defensive in a youtube video, he will never survive campaigning, the opposition will rip him apart. He is already arguing with a tax payer "It's not YOUR property taxes Caleb, it's HiStOriCaL funds from taxes" 🤣 I can't imagine what garbage he will respond with when he has to engage with actual constituents.
I like how Caleb returned the jab with not voting for him and he took it personally lmao. Sitting there stating how Caleb was 'unprepared' the previous time but not being able to take criticism is wild
This show has given me so much insight. As well ive now implemented a new idea to pay off debts (maybe its dumb, idk) but if I am ever going to order out/buy something I DONT need, I find that total and then pay that amount into lowering my debt.
I don’t want to say it’s dumb, but I feel like it’s pretty counter-productive to your goal of getting out of debt. Ordering out and buying things you don’t need will just extend the amount of time you’re paying off debt. It took me like a decade to pay off my credit cards because I wasn’t disciplined on those things you mentioned. It’s hard to buckle down and stick to the budget, but it’s so worth it.
How would you say it’s counter productive? Instead of buying thing A for x amount of dollars, I take what it would cost and put it towards debt.
@@jakeryan9689 I’ll fully admit that I completely misread what you said initially, that’s on me. I didn’t realize you were not going through with these purchases. In any case, keep up the good work!
This guy I wildddd! We’re the same age and he is so unaware of what he’s doing… I don’t know how people convince themselves that grocery stores are intimidating? Is no retirement plan not more intimidating/stressful? Jeez…
I dont know man when anxiety is high a lot of things are intimidating
People, choices, decisions is everyone judging me
I'm not saying this guy is in any way right (because pick up is a thing you don't even have to go in the store) but the most random things can become intimidating
Probably not the thing you want the absolute most in your politician though
@@tisi9756 ohh for sure! I’ve had my fair share of moments when I’ve become overwhelmed with what seems like easy decisions or tasks.
It’s a massive strain on the mind and even body, so that when something as simple as getting out to take care of finances or groceries, or even to see friends, becomes hard!
It takes guts to get roasted by Caleb, I know I don’t do everything right so I would definitely be intimidated…
Hopefully he can get things straight and have a great run in his career🤘
He’s just lazy. Period.
Yes Caleb I agree with you, ANYONES values and morals are reflected in where they spend their time and their money.....his priorities are reflected in his spending and lack of maturity.
My three favorite channels: Caleb Hammer, Stock Brotha, & How Money Works. Make my week complete! 🔥 🔥 🔥
Haven't heard of Stock Brotha. Thanks for that recommendation, albeit inadvertent.
Caleb your services are an excellent contribution to society, and possibly saving many, many from a horrible financial future. Behold everyone!!!
Says grocery shopping is overwhelming but wants to be in charge of the city. Checks out.