I Can't Take Anymore | Financial Audit
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- เผยแพร่เมื่อ 12 ต.ค. 2023
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We had such a great time hanging out with you, Joseph, and the team! What a fun day and what a great episode. Can’t wait for the Dollar Bill Bros to hang out again. Let us know when you’re in town! And Joseph, can't wait to hear an update from you! Best of luck!
you guys are great
Lol dollar bill bros is amazing, I would love to see the trio getting together even more
I thought you were guys were just here trying to ride the wave of financial planners on youtube but the way you guys speak and the knowledge you bring shows that you have that experience to back it up. Got a subscribe from me
You guys are the best
This collab is so epic!
this man is lucky, this is like a $5000.00 consultation for free.
Haha
@@CalebHammerlaughing because no one has ever or will ever be able to pay anything to be on your show. 😂😂😂
And it's wasted on this guy.
@@Playingwithproxiesthe people who have the money to do so, do the private sessions 💀
@@deirdrekiely6187 But not on the people watching.
Joseph in episode 5 will be dealing with a room full of financial experts. May need to rent out a conference space.
He can rent my local Aloft Hotel Conference room. They charge $500 for the day not including catering.
🤣🤣🤣🤣
The year is 2033, Joseph is on his 19th audit with the head of the federal reserve, the JP Morgan board of directors, and Caleb trying to get him to call the damn IRS
This thread is cracking me up
@@TheCoolFlamesomg yesss. I dont get it. So many great resources at his disposal. I hope he gets it together eventually
This is a much better format for returners. Letting them tell the stories of their successes and failures is more interesting than doing the same audit format from scratch as though you’d never met them. You should expect the audience to watch his previous videos - it’s about the journey and why they took your advice- or not
Nah bro I liked the other format. This seems wayyyy more boring to me. I just feel like for Joseph specifically, it had to be done this way. His views will go down on these vids if it’s consistent
I totally agree judithparkes4237!
The problem is that it depends on the guest story telling skills. Could be great or could be boring. Caleb sorted out a very catchy recipe and I think he should stick to it
I don't want to hear somebody's problem so why they didn't do it especially when they could have. Keep your truth to yourself with that s***
Or, Caleb can put a "Previously on Financial Audit" recap of the guest's previous episode at the beginning.
I love the faces on Money Guy. They’re not used to these situations, unlike Caleb who is so calm😂
They’re out of the comfort zone here. Which is good for them to experience it. They normally are dealing with people that are at the other end of the extreme: hard core savers and investors.
I’ve never watched the Money Guys until now! They’re so caring but will also stay objective.
This was a calm version of Caleb? (I'm a visitor from Money Guy YT)
@@HoustonTomThe real though ones are like. I've only got 5 8 million in assets and my wife is upset I won't buy a new car and she keeps nagging me to go on vacation.
everyone's like Jeez would it kill you to take your wife to the beach ?
@@kenmoorhead2943yes it is😂
I feel like anyone that has worked fast food/retail knows a Joseph and wishes they had the drive and skills to do what Caleb does for him.
I worked a fast food job for 2 years when I was finishing uni. I was the store closer/prepared to be open, and I still had to finish my homework. I was taking 4 classes and tutoring at the local junior college.
It paid off since I got a job offer in the field, entry level but still experience in the engineering world. Hardwork pays off, but it's not easy taking 4 classes, working 30 hours/week and tutoring for 10 hours/week.
Merch
Yeah, I work part-time at a grocery store now and there's a bunch of these types of people there. They "think" they have the drive, but they won't do the steps to be successful.
his name was joseph too
It's called being a non-motivated lump
He has no idea how lucky he is to have this level of help. I hope he changes for the better.
He barely changed after last episode. I doubt he'll change much after this episode
@@xJayhawkFANx this is like his 4th or 5th episode. He definitely has made progress since the first one.
@@lombardo141 small incrimintal changes and still making silly choices. It shouldn't take 5 episodes
@@xJayhawkFANx I totally agree with you, but that is the reality for most people. Thats why i said he was lucky. He cant look back on his life and say no one gave him a chance.
This is my favorite audit ever! The Money Guys are great listeners, and they explain things so well. They are the perfect good cop to Caleb's bad cop
Lol poor Caleb 😂
My thought too
Joseph is a trooper for going through this several times. Hope this is the final push he needs to get into a better spot. 🙂
Absolutely!
Second that 🙏🏽💯
Knew it was going to be a good one when I saw Joseph but after several appearances I don’t think Joseph will make a substantial positive turn. An army of people can come set out a plan for you to better your finances but unless you want financial freedom none of it can help.
Joseph reminds me of myself at a younger age, plenty of opportunities to fix the situation but doesn't ever seem to push himself enough although I do believe he wants the change
@@jloutz easy there on the racism there bud, you don't want to use it up in one place
Just graduated college, I knew nothing about finances. Started with Caleb, now I watch The Money Guy too. Happy to share I’m debt free and engaged, getting married next year. So thankful to all of you.
LETS GOOOOOOO, financial mutants rise up 💪🏻💪🏻💪🏻
That’s amazing! Congrats! Seriously awesome!!! Congrats on your engagement and getting married too. Anytime the guests on the show start to feel bleak I read through the comments and hope there is someone who is turning their life around from the advice haha. Keep going!
Just dont spend more than you have. Think about emergencys. Little bit money on the side is great. Write down expences help me.
Congrats! Those are all huge accomplishments 💪
about 10 years ahead of me! congrats! good luck !
@@MoneyGuyShow thank you!
Brian and Bo are so nice. Caleb is trying to keep up on how nice they are 😂
I hope he takes some notes and picks up some communication and listening skills.
They are the good cops, Caleb is the bad cop
Lol the Hammer financial score section killed me, they're so nice and positive.
@@MidlifeMoneyMoves being nice doesnt always get results. Thats why he is like that. Sometimes tearing people down is what you have to do to get them to realize how bad it is to bring them up
@@mamavonn he’s like that because it gets him views and he’s a bully that gets off on humiliating people.
I feel like both Caleb and us as the audience have been unfairly lenient toward Joseph. I’ve seen people who’ve made far less mistakes on this show get dragged in the comments for their financial decisions and we don’t bring that same energy for Joseph. He’s on his 4th audit, without much significant improvement. I think, from the limited knowledge I have of him/his life, he enjoys the feeling of having community and “friends” around his financial situation and there may be part of him that feels like if he fixes the situation, the friendship and attention he’s getting because of it will go away. I say this from personal experience. When he said he held off calling Caleb about the thing with the collections people around minute 27 so that he could share it on the show, it showed me his focus isn’t on fixing his situation, but talking about his situation with his “friends” (Caleb and us, the internet cheer squad). It might not be a conscious “decision” to do this but I think it’s something he should explore in therapy. He doesn’t need any more audits, he needs to work on the mental and emotional issues preventing him from getting to where he wants to go.
i think caleb has high hopes for him specially if he does end up cleaning up his act and reaching the goals this would be an incredible success story for caleb
it would be a great success story. But it's not a realistic one. With four times on the show and seemingly nothing getting through, Caleb is lying to himself if he thinks he can talk him out of his own destruction.
@@Whatwouldjimmybuffetdo and this is what I mean when I say we’ve been unfairly lenient toward him. There were lots of other people who could equally be success stories but Caleb (and us, to some degree) is highly invested in him because I think he sees himself in Joseph and that’s not fair to the other guests who were also on the brink of a breakthrough but didn’t get this many chances. And it stops being fair to us as viewers as well because we want other examples, of people who are doing a bit better and may truly be a source of inspiration to us etc. Not saying Joseph isn’t an inspiration to some, but there’s 4 episodes on him already. I would like to see a different situation, or an update with someone who’s made more significant progress. And if there isn’t anyone else, then maybe it’s a sign that there’s something in Caleb’s approach that could be improved cuz this approach may not be working if people don’t want to come back and show improvement, especially when there’s a financial incentive to come back as well. Just some thoughts.
Previously he said losing his work card )$150) had him spiral losing days of work but this time he said after the car wreck he paid things off, enveloped money and figured out the bus schedule. It may not look like progress b/c he's not answering everything logically, is creating his own account work arounds (not following exactly what Caleb says) and is still making mistakes and BS spending but if you look at the overall picture of how much debt has changed in a year, no longer paying 500% interest payday loan habits, there is progress.
@@SunshineMena Dude, I always try to keep my comment here positive and I have dragged other commenters (and other GUESTS in the comments!) for being rude to current guests. But I cannot for the life of me figure out why people are so keen on this guy. There are so many more deserving guests who have been on this show, people who are trying harder. This is a rare case where a guest is irritating me. I wish Caleb would stop bringing him on and start giving time to other people who are working harder and more serious about their commitment to growth. But clearly we're the minority here.
TLDR, yeah people are way to lenient with this guy and I have no idea why.
I love watching The Money Guys, they’re one of the few TH-cam finance channels where they’re giving knowledgeable, practical advice backed by data & statistics without injecting their own biases into it. It’s practical and helpful for anyone to listen to.
Agree! ❤ TMGS! One of my life goals is to reach abundance and be a client.
He's really good at not answering direct questions.
Right?! That’s what makes me want to scream. Just answer the dang question! It’s one thing to not know the interest rate for all of your debts off the top of your head; it’s quite another to be asked a yes/no question, and you go off on this tangent about how you have a high-yield account!
I love hearing that at 33 you can still sav for a good retirement. I’m one year from being debt free, I’ll be 34 when I start saving and I had no hope of saving for retirement and after watching for a couple months I have hope and a plan
If you start saving at 34 you’ll still retire with way more than the average person. You’re on the right track!
You got this!! Congrats on almost completing your debt free journey!!
34 is super young compared to most to start saving. And because you are reading to get your army of dollars working for you, you’ll nail it. The Money Guy recommends 20-25% of gross income for retirement per pay
I recommend the Money Guy Show
A lot of people wish they had started saving/investing at 34.
Caleb! What a great episode. I work in mental health as a psychiatric nurse and we come across people who are discouraged because they’ve been in treatment multiple times which always reminds me of one young woman who went to treatment 13 times before she recovered and is now working and in a loving relationship - it is always worth trying and trying again.
Thank you so much for the incredible work you do. Fall down 13 times, get up 14. ❤
We should normalize failing as a part of the process! With weight loss, drug/alcohol rehab, quitting smoking, learning a new skill, all of it. Most people fail multiple times before they succeed.
@@rebeccashields9626yup healing isn’t linear and there’s no shame about it!
The money guys seem like chuch wholesome guys and it's so nice to see them on the show. I'm really hopeing for more collabs with them and graham!
Yes, I noticed Caleb didn’t curse like he normally does.
The money guys set such a great example of what financial advising should be. Talking to someone with respect not yelling at them and telling stuff like “I don’t give a f*ck what your parents say”. They actually offer solutions and try to understand what his goals are.
@@teh_longinator I agree 100%. I also notice that the MGs would laugh when Caleb would yell. Looked like they were uncomfortable with that. I also hope they don't collaborate again.
“Church wholesome” is exactly why I don’t watch the money guy show
@@teh_longinatornah I like having both, its like good cop/bad cop
Joseph is getting closer and making better decisions, i truly think he will be a success story. Hes trimmed so many ridiculous habits like payday loans and cut the cards up. As long as he doesnt do something like another car loan with his terrible credit, he can do this
He needs to cut his two brothers and mother off from his financial accounts. He was paying for their gym membership, food, entertainment, etc.
He needs to cut his two brothers and mother off from his financial accounts. He was paying for their gym membership, food, entertainment, etc.
@@choreomaniac Agreed, overcoming a family history of bad financial habits isn't easy. He's a kind soul so im sure he feels bad about that
You should add something like "ft. Money Guys" to the title! So glad to see this collab, I hope Joseph can make use of the incredible resources at his disposal (you guys) and finally turn his life around. He's a nice guy but really needs to have some discipline and stand up for himself with his family.
Imagine the PRESSURE having three people auditing you 😱
i know. He looks terrified 😂
The first time he came on the show he seemed super depressed. This time he looks better and his spirits are high. Wish him the best of luck!
“You know what’s interesting?” Brian-“Absolutely nothing is interesting about payday loans.”😂
He’s the sweetest guy but he’ll never get out of this situation until he changes his mindset about money and cuts ties in a financial sense from his family.
Yeah like what the hell is up with his family?? All sharing credit cards??? NEVER share credit cards with ANYONE.
It scares me how calm Joseph is about owing the IRS. They are like a legalized mafia lol I would be sweating bullets.
He's definitely more afraid of an upcoming interview with Caleb than he is of the IRS.
You never want to owe the IRS. 😢😢😢😢
I owed the IRS 16700 cash in back taxes for 2021 and 2022 I just cleared all back debt last Thursday. It's possible I had to work 72 hours a week for 9 months in a row and eat from home. Took the bus and put all my force on the back taxes plus 450 a month payment plan from last year till now.
You gotta make the deal with them before they decide you're worth throwing in jail or garnishing the shit out of you. They are basically a Mafia you don't ever want to owe.
@@justinthomas5512 Nice going, I bet a big weight has been lifted off your shoulders and you look up and suddenly the clouds are parting and the sun is shining again.
It so refreshing to have some calm people talking slowly lmao
Hahaha it really is ❤
Bo’s face this entire episode! Iconic. Please do more colabs
He's like 😃
@@CH-vm6cqexcept for the times when he’s like 😦
Caleb you should get shorts from all your guests with updates on their progress. You can post those and split the revenue with them. They get out of debt faster, you get an addition revenue stream, and we get to cheer them on.
I don’t think you get money for shorts?
I'm already cracking up at 0:01 because I love how intense Bo's smile is just staring at Joseph introducing himself 😂
Bo was SO excited for that day's show!!!
Joseph hates Bo for some weird reason lmao
It's hard to say that Joseph will ever get himself out of what he's got himself into. It's more of a discipline and effort issue than it is a knowledge issue, Caleb can only teach him so much but he needs to try and fix things for himself.
True. RIP MF DOOM
Joseph doesn't understand the difference between a payroll deduction and a healthcare deductible so theres no way he understands in and out of network providers.
Joseph is an underachiever. I don’t think he’s stupid or a bad guy. He just doesn’t seem to have the motivation to do well for himself. He’ll sit and nod and agree for 90 minutes during this audit then leave and put forth zero effort.
@@TonyCox1351 Watching this it just feels like he doesn't care, has zero will to fix anything. Just kinda going with the flow and only choosing to take care of the things that come to him, as opposed to him being proactive and fixing them himself, for example "accounting for tax payments in my bill sheet" instead of actually using it to pay it? Just waiting for things to happen then taking care of it then.
Same with the damn car, instead of getting rid of it, was thankful he got into an accident and had the car totalled. Literally waiting for things to take care of themselves and taking zero action. wow.
I mean if he's living a happy life more power to him, but honestly it's just sad and lazy.
The taxes can bite in the butt hard
He needs to put his attention into the payment program process. Payment plan based off income. If not wage garnishment will start after 180 days behind the wall 🧱
I have a MOUNTAIN of tax debt for various reasons and the main thing I have learned is that you need to stay in contact with the IRS. He needs to call them immediately and say that he wants to be put on a payment plan. I am this same kind of person who just ignores things when they get too overwhelming. The IRS does not play if you ignore them. On the other hand, if you call they are incredibly friendly and helpful. Don't be afraid to call them, as overwhelming as it seems. It's much worse to try to get money out of your bank account and realize the IRS has frozen it. Believe me! You got this! Definitely look into that offer in compromise as well.
I am so happy to see these guys with Caleb -- hopefully he will watch and learn how to communicate with kindness and empathy!
Poor Joseph looked so overwhelmed this episode. 😂 What a trooper for coming back on
Dude you're so lucky to have these guys as your advisors, for free.
Yes! Hopefully Caleb will be able to improve his communication after this!
All I can say is that I’m truly touched by Caleb’s persistence and genuine desire to help Joseph. If more people who were struggling had a Caleb in their lives to tell them the truth in love, things would be a lot different in this world.
Not to be the Debbie Downer in the comments…But I’ve seen all of Joseph’s videos more than once and never ONCE felt like he was ever taking this seriously…I think you’re putting way too much effort into the guy.
Seems like he's a little better in this one. Some cards being cut up is great
“Getting out of debt itself is not a goal enough?”
Caleb you often struggle to bridge the gap between the “how” to get out of debt and the “why.”
Helping these people clearly form their “why” will matter so much more than just the “how” and will likely lead to the greatest amount of change
The IRS doesn’t fuck around. Even the Joker pays his taxes
We are rooting for you Joseph!
I was a Tax Agent-- so believe me:
Joseph cannot file for OIC (Offer In Compromise) with the IRS.
Not until he has filed ALL delinquent returns for all years.
I was a tax agent in Collections, and worked the OIC unit.
We sent letters with estimated amounts due only.
But until all returns are filed, there is NO verified actual amount on which to base OIC applications.
ALSO Joseph gets zero credit for monies withheld by employers.
Not until he files all his tax returns with W-2s attached.
Its honestly a bit insane how complicated the US has the tax system. There really is no reason for it to be the way it is, compared to other countries.
Maintaining a savings account, while having credit card debt and thinking about getting a mortgage is wild.
For most of these guests, it comes down to changing a worldview about money. I was fortunate to be raised with the mindset that payday loans and pawn are just complete no gos. Even at my poorest, married with a kid, in college, I never even thought about getting a payday loan. My go to when I needed more money was always cutting unnecessary spending or selling things. That's the biggest thing these guests need: a complete mindset change about where to go and where you MUST NOT go when you need more money.
I remember seeing these guys react to some of Caleb’s shorts when I first discovered the financial audit so seeing them all film together fills me with glee. When Caleb called the trio “the dollar bill bros” I nearly spit out my drink. 😂 I was really looking forward to this episode!
I really like The Money Guys approach and to financial counseling. Their podcast has been so helpful to me in learning about retirement, emergency funds, debt, and budgeting. Great collab!
This is what we all didn't know that we wanted and needed. This collaboration is gold. THANK YOU
Its so cool to see some of my favorite TH-camrs collaborating like this. I feel it speaks to their characters and also their desire to help people.
omg look at Bo's smile at the very beginning of the video lol. he's so excited to witness Caleb rip into this guy
So excited for this episode. I love watching Financial Audit while I WFH and find myself checking the time waiting for it to drop.
Really pleased they covered that things changed because he knew the show was coming up. Love the transparency. Well done everyone, great show!
I just love this guy! Been rooting for him since the first audit! Come on Joseph! You’ll get it this time!
I’ve been waiting all week for this episode to drop!! Saw the sneak peek on instagram and knew it would be amazing!
Joseph, you’re a trooper for coming back! Thank you!!
Really enjoyed having the guest financial planners on your show. Great video today! 😊
I love Calebs videos. Even though I'm not in a terrible situation like some of these people it really helps me look at where I'm spending my money and what my ACTUAL goals are, and how to save efficiently
What a great f*cking episode. I have full hope for this dude. May take longer then its meant to but i fully believe in this dude
Love this one! Had it in my watch later for two weeks, should've watched it sooner. Money Guy plus Caleb is SPECTACULAR!!
This episode warmed my heart! 🥺 thank you guys for supporting Joseph!! I loved the end! Was so cute!
We wanna see more “Money guy” collab 😍
I've always liked The Money Guy Show and Bo and Brian, but I loved to see this side of them. So much compassion and really took his situation seriously with a desire to help. A+ episode!
Hey Caleb, you really need to pin the previous videos your returning guests are in, it will drive more traffic to your old vids from the new viewers that want to see the guest in-depth backstories!!!
I’m super proud of Joseph and his progress, keep it up man.
The crossover we didn't know we wanted but definitely needed.
OMG! Two of my fav TH-cam channels together. My day couldn’t be any better.
All 3 of these guys have such different ways of conveying the same point and I just absolutely love it all together in one room. This guy is so lucky to experience this! I hope he eventually fixes his situation, but he should be proud of the progress he has made!
Caleb, everything you do is amazing! Because if you, every time I’m going to make an “unnecessary” purchase, all I can hear is you saying, “do you really need that? YOU’RE IN DEBT”. Seriously, since I cut up my credit cards 5 months ago, I’ve done nothing but better with my finances. I love you!!! ❤️ Keep doing what you do best! 👏🏻👏🏻👏🏻
I literally turned my car around on the way to McDonald's because I heard Caleb's voice "WaHT ArE YuO DOING!?"
@@OldManShoutsAtCloudsI do the same thing!
@@KitKat10281 went home and made myself a burger from my groceries 😂
Just goes to show how ingrained some of these bad habits can get.
@@OldManShoutsAtClouds facts!
@droiddevx03 all you do is bash Caleb and his fans - why do you even watch if you hate the channel and what it stands for so much? Just curious.
Incredible episode. Joseph has so much potential to succeed, mostly because he continues to ask for input. Most people get crippled by shame and denial. He's going to make it. This also shows how complex it is to work on financial success when you are navigating these challenges (low financial literacy, responsible for the whole family and the general exhaustion of being lower income). It can take multiple rounds if intervention to turn things around. Bring him back for sure!
Absolutely loved this episode, was really entertaining with these guys for sure! Would love to see more 😊
I’m loving this episode! Hope there a many more collabs in the future!
It's Friday the 13th! This day is off to a great start! YOU CAN DO THIS JOSEPH!!! Love the new logo and merch and four mikes with stands.
This is my favorite episode to see such an amazing collab (hopefully more in the future) full of people who genuinely want someone to do better.
Great episode, made me smile the whole time. So proud if this guy, he's come such a long way
This guy is lucky. 4 episodes with Caleb and a bonus money guy intervention. He’s got all the tools to dig out of his rough spot. He has made progress and there is a light at the end of the tunnel
This guy is so frustrating jesus, always having to answer a question with a long winded story, not taking any accountability, clearly not being truthful, relying on Caleb to put the fear in him to sort his own finances out? What? Bro.. This is going to be interesting to see the next episode..
It's absolutely insufferable. "Is 2700 what hits your account" What's funny about that is that I once knew a clown who used to light fires in the park and I wasn't sure if I could afford to pay my debt. "Okay but 2700 is what hits your account on a monthly basis?" Well you see I played Final Fantasy 3 weeks ago. Just fucking painful.
@@Octa973 Lmao
That said he does seem like a likeable guy aside from that 1 trait that is insufferable lol. I really do wish the best for him but I don't have high hopes.
@@Octa973 Yeah, the whole daily dollar from the gambling website thing that he brought up is just honestly scary too, I feel like the 3 guys should have tried a bit more to really drill it into him to not engage with a gambling platform at all, I don't care if they're offering daily 10 dollars, that's not a platform that you want to be engaging with, with this guys finances. Next episode on this guy will be really interesting lol
Joseph you got this Brotha. Life can be challenging, I know, but just hold on. There is always light at the end of the tunnel !
I would love to see more of these. The 3 of you guys are so good together
I feel like Joseph has made progress so kudos to him. It’s proof that anyone can change. I remember watching his 1st audit and I had 0 hope for em 😂
What a good episode! The money guys gave the audit an edge. Even better that is a follow-up audit (lol to the intervention comment.) Hoping this is not a once off collaboration - I thoroughly enjoyed watching.
This was a great episode! The 3 of you together really balanced eachother well in perspective and advice!
Money Guy added a lot of value here! Great new approaches and the chemistry with Caleb [and Joseph!] was great! Go go go Joseph!!! You got this.
Been watching My 600-lbs Life and also many of Caleb's videos. There is a huge correlation between Joseph and others like him on this show and those that seek Dr. Now for weight loss. Many of them think that just seeking help will somehow magically solve all their issues. When in reality, it requires a lot of will power and discipline to get results and goals that they want to reach.
Like Joseph my guy. Do you know the definition of insanity is? It's doing the same thing over and over and expecting a different result. What you're doing with constantly coming on Caleb's show with very little to no results is insanity. I live STRONGLY by this rule and to not be insane. It's how I managed to get a small cheap house by the age of 35. When I was 28-29, I had a lot of debt in collections that I managed to swim out of. All because I didn't do the same thing over and over. If one thing fails, try another way. You just can't keep doing the same thing over and over, constantly keep coming on Caleb's show and expecting a different result. Just not how this works my man.
Oh man am I rooting hard for Joseph since day 1. I believe in him but it’s gonna be a tough road. I hope he can clean up some of this debt and improve his circumstances 🎉
Bro is too far gone
This is a really good combination!!! WOW. So impressed by the Money Guy(s) working with you, Caleb, and this guy. This is the real deal - money help for real.
I'm actually excited for the follow up. I used to be mad at Joseph but I understand he's a good guy with some bad habits who's trying to figure things out. Really rooting for the guy now.
Hey Caleb! Your channel has really inspired me! As of today I am DEBT FREE!!!! 🎉🎉🎉🎉 Onto bigger and better things. 😊😊😊
Yes Joseph!!! I missed you!! 🎉🎉🎉❤❤❤
Love you guys together man , just such good vibes and funny
Love to see the progress with him , he has improved a lot 🎉🎉🎉
If he doesn’t get proactive about contacting the IRS, they will decide how much money a month to take, and it’s going to be a lot more than $250/mo. If he does contact them, he’ll have a chance to arrange for a lower amount. Don’t be passive when the IRS is looking at you.
Brian and Bo are being very fatherly with Joseph. It’s so pure
Caleb
I love your persistence with this young man. I hope this works.
Good luck to Joseph. This was a great episode. Loved this collaboration ❤❤
The pain in Caleb's face as Brian and Bo gave higher financial scores lol. I love this trio together.
You should do more of these collabs for the returning guests. This is cool, very different vibe than the regular audit eps.
Amazing! I love the collab. Please more of these.
Awesome collab, love seeing everyone give him solid advice and I can tell they really care. Also Caleb's random high pitched rants throughout the video always make me laugh.
wishing the best for Joseph. The Money Guy show is excellent and alot more people need to watch their incredible content
Thanks for the shout out! We're rooting for Joseph, can't wait to hear how he's doing in a few months!
Joseph doesn't understand that no one will give him a mortgage without good credit. This isn't 2008 anymore. Pay of the debt and the IRS Joseph.
This was a refreshing episode! Get after it, Joseph, and build your better tomorrow, today!
I love this collab and cross over!!
I just wish the best for this guy. He is definitely the guy I feel most for and wish he would recover.
I think most of the people that come on this show don't actually need help budgeting, at least not as a first step. They need help with underlying issues before budgeting even makes sense. Most of them don't even need "help" per se, they need to want to get better. Most people aren't even at that starting line. They are kinda comfy where they are, even if where they are is on fire.
Lets go Joseph!!! Youve come back so strong!!!
Good luck Joseph; we are all rooting for your success 🎉
Really loved the positivity Bo pointed out. That is such a good tool for motivating people to change behavior. Complement what you like and you’ll see more of it