Financial Advisors React to Caleb Hammer's CRAZIEST Financial Audits! (Part 2)
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- เผยแพร่เมื่อ 21 ก.ย. 2024
- (Part 2) Financial Advisors React to Caleb Hammer's CRAZIEST Financial Audits!
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The first girl was definitely just trying to not incriminate herself. She totally drives the car and definitely drove that car to Caleb's studio.
Facts!!😂😂😂😂
💯
She was definitely lying.
Lol, that’s why she got confused so easily. She obviously didn’t think of this question before.
First girl is an idiot
Love you guys!!
Love you more. I win.
Caleb is the tough love older brother and the Money Guys are the unconditional love dad and uncle with the sage advice 😂
Seems like a poser to me. He just another internet wannabe guru/sensationalist talk show host like Maury. People just love seeing car wrecks in motion and that’s the appeal, not good financial advice.
@@a012345 he actually sets up a plan with the person and even does follow ups with the people to support them in their journey over time!
@@a012345maybe you haven't watched the videos but he gives great advice, tough love, and even is empathetic when necessary. He might seem extreme but it's because most of these people don't realize how dire their situation is so he is the first person to snap them into reality
@@a012345well said.
@@crystalmendoza1450he makes fun of every single guest in a TH-cam thumbnail? He’s about views and entertainment and not actually teaching people financial literacy. The Money Guys are true experts with well articulated step by step processes.
The older man who lost his wife and has $0 in savings/ retirement is probably the worst case I’ve seen on the show. On top of all that negative stuff, he’s also stuck in a pyramid scheme.
Yeah, that episode hurt my soul a little bit.
That dudes an absolute tool, I really don’t feel bad for him after watching the episode
The life coach was pretty bad too lol her video was also the one that went viral and really kicked off Caleb's subscriber count rising
@@droid2D2C3P0that's the first one I saw. What an introduction
He's also the one person who's ever gotten a -1 Hammer Financial Score
I like that Caleb has been using your guys' auto rule in his recent videos. He knows good advice when he sees it and gives credit
I agree, he’s the reason I found them
at the 12:00 mark, that kid lives with his grandparents, who are not that great with money. He had a good head on his shoulders, and a good heart. Still shouldnt be paying their bills, but they house him and feed him. Situation was one of those "eh, probably not, but i get it" imo
Agree
Yeah, not a simp. He just feels guilty if his grandparents stop going out to eat at restaurants.
I think it's a bill for a financed washer/dryer. Which is even wilder!
I wish these guys would have watched the episode first. They made this poor guy look like a simp for no reason
@@djibysall7645it was bold to make the assumption without any facts at all
I hadn't seen the episode, but I figured the same thing. I'm guilty of it myself
How is it that you guys can't tell that the first girl was LYING! She knew what Caleb was asking her but then realized as she was speaking that she was admitting to a crime so she started backtracking.
Not sure about what state she's in, but it's actually a contract violation of a loan in some places to NOT have active insurance...so the thing is gonna get repo'd depending on her loan and her location. >.>
@@brianagillustration You just get backcharged at a crazy rate for retroactive insurance. I went a month without it, the loan company found out, and charged me $600.
Confirms that we really are reacting- when I watched the finished video it was obvious that she was caught- in the moment of seeing the clip the first time I missed it 🤷♂️
I am SUCH a Financial Rubbernecker and I’m here for it
Caleb is like the Dave Ramsey of Gen Z - a tough-love intervention to spur on better decisions. Ramsey brought me to The Money Guy(s), and life has been all upward since then.
I just kinda wish he'd do _some_ positive, or atleast not insanley irresponsible, stories. Even Ramsey had those on occasion.
@@ricebeansrockroll882 he does some where they’re in good shape but usually they don’t need him then
I like that he’s not an outspoken evangelical Christian who’s a boomer jerk
@@ricebeansrockroll882 Rich people don't want people to find out they're rich. One person went on anonymously and she was just in an okay position. I also think Caleb pays these people for their time, but I imagine it's an amount that would be exciting to someone in massive debt, but it's not enough to convince a person who's doing well to be so revealing about their finances.
@@ricebeansrockroll882… He has just talked about doing more positive stories of people getting out of debt.
The guy paying other people’s bills is not doing it just to get the girl. He was paying his family’s bills because their financial situation is worse than his
This. That part of the video was so wierd. The kid said nothing to indicate there were girls involved, pretty icky that was their first assumption and that they didn't bother to fact check it by watching the rest of that section of the original video
@@droid2D2C3P0right? He was one of my favorite guests there because his story is so relatable to most breadwinner of poor families so i felt i had to point out the wrong assumption on why he was doing it
Have a coworker like just like him. She makes the most money, “helps” her mom out because she’s been “in between” jobs (for years), & her bf works a terrible retail job & isn’t looking for anything better. She & I make more than decent money, but she never has money for her own essentials. 🫠
Yea that definitely turned me off to this show… there was no need to rudely (and wrongly) assume and then make fun of him
@@kaylawinbush1797maybe get mad at Calleb for not making a short in context. You are getting mad at a person who is trying to interpret a badly clipped video. The question is, did Calleb title it man puts family before self or did he used the better clickbait of man pays others bills before his own, which could easily be someone being exploited.
Understanding personal finances and investing will most likely lead to greater financial independence. By being knowledgeable about money and investing, individuals can make informed decisions about how to save, spend, and invest their money. A trader made over $350k in this recession influenced market.
Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
I've been in touch with a financial advisor ever since I started my business. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders.
@@ThomasChai05Mind if I ask you to point at how to reach this particular person assisting you? Seems you've figured it all out unlike the rest of us.
"Camille Alicia Garcia" maintains an online presence. Just make a simple search for her name online.
Insightful... I was curious about her, so I looked her up online. I discovered her website, and I must say that she seems knowledgeable. I sent her an email outlining my goals. I appreciate you sharing.
Caleb is some of my favorite financial entertainment! A guilty pleasure
Entertainment is about all it is. I would stick to the Money Guys or Ramsey Solutions for step by step financial guidance.
Thanks to shows like yours and Caleb's, I lit a fire under me to pay off my last few debts. I just sold off my Pokemon card collection on Ebay I started since I was 8 and I made $5k! No more credit cards for me!
There's nothing wrong with credit cards if you pay them off in full every month. I have an 820+ credit score, have at least 6 CCs which are paid off monthly, and earn multiple thousands a year in cashback and travel benefits.
Yes! Looking forward to this collaboration again! Caleb sometimes mention about your 20/3/8 rules for car buying on his show!
But he can never get it quite right 😅
And forgets the name and/or details LOL
13:07 - When I was in high school, I knew several other kids who were supporting their parents with their part time jobs. Sometimes they would do it willingly, like paying the electric bill to keep the lights on, other times the parents would just steal their child's money. It was really sad.
Yep. The majority of my paychecks in high school went towards my parents for their bills. It helped keep us afloat for 2 years. I felt so bad when I moved out. I was scared they wouldn't be ok. I'm in my 40's now and still send money home when I can just to help out. My parent's will never be able to retire.
I always did odd jobs like yardwork and cleaning leaves gutters and pulling weeds to help when I was a younger teen to make sure dad had gas money for work. Sent money home from working at college. And ended up eventually covering 8k worth of bills I was "splitting" with my dad before I found out I was bankrolling all the bills when he moved in with his new fiancee without warning after my mother passed. Lol don't ever do finances with family
Caleb is the man and I found you guys thanks to him always plugging you haha 🤘🏼
They’re watching Caleb Hammer vids like they’re sports commentators
that first girl is definitely driving her car with no insurance
Here is a little tip for anyone who was foreclosed on and had equity in their home. Check with your local courthouse to make sure you don't have money in their register. If you owed $100K and the house sold for $200K on the courthouse steps, anything over the $100K (minus bank fees) goes to you.
Love seeing the collab between your two channels--my favorite Financial TH-cam creators, and they both scratch a different itch. ❤
Caleb is doing a show where the Money Guy audits him just like Graham did recently
I hereby thank The Money Guy show for introducing me to Caleb Hammer! Thank you! Caleb is being real when he helps people gain financial intelligence!
The music and sound effects on this episode are FANTASTIC and super funny/entertaining - great job to the editor!! ❤
Because of you guys, I’ve been binge watching all of Caleb’s videos 😂
Same!
Saaammmmeee 😂😂😂
Yup
Me too lol
The guy who was “friendzoned” was paying for stuff for his grandparents
IM GONNA LOVE THIS.
the money guys are mild as ever with their words, Caleb is as cut throat as it gets.
She was definitely lying about not driving the uninsured car...
You’re absolutely right about having a big expense, then doing another, etc. I just retired (well semi-retired) and went on a big trip, got a new bed & mattress, and got a new computer. Mind you I can pay for them all but the reason I did that is I’m double dipping for a few months (still getting paid as a teacher and started the pension already). The point is it’s very easy to have multiple big expenses after you make one.
Mmmm love hearing we need to think "Corolla"... I bought one new in 2012 and still own it, completely paid off and has yet to have any major mechanical issues
Really enjoy your reaction videos. You should have a production assistant view the entire video for context. The young man paying someone else's bills was purchasing a washer/dryer and handling other household expenses for his grandparents who he lives with rent free.
I'm a fan of both channels - but it's funny how Caleb has way more subs than the actual experts. I get it, how TH-cam works and from an entertainment perspective Caleb's content is always going to drive more clicks. But it's a shame. I just wish all of Caleb's audience watched MGS as well for the expert advice, MGS is too good not to watch and gives you real, legitimate benefits!
personally Caleb mentioned these guys in an episode and I came over here after, love both channels and I think they help eachother
Caleb has recommended the Money Guy channel before in his videos!
He recommends them and that's how I found this channel! Every time they have a car conversation he mentions the money guys
I also found these guys from Caleb's channel.
yes, and unfortunately, Caleb does not provide anything actually new, and more importantly he provides some bad advice to the detriment of the folks willingly to be financially audited by him.
Oh my gosh yes! I loved your last C. Hammer video reaction! Please more!
Watched countless videos from your back catalog, heard about you through Calebs show, love the info!
omg YAY this is the reaction video I’ve been waiting for!! Love both your channels and so excited to see Caleb here!!! Wish you guys reacted to the 40 year old man baby episode, that’s the most iconic Caleb video out there hahahaha
If you're talking about the toquito man. From last year he's coming back to the show next week. Monday, I heard Caleb higher. The security details just in case.
The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.
Avert too-good-to-be-true con tricks. Consult a fiduciary counselor; these professionals are among the best in the business and offer individualized guidance to clients based on their risk tolerance. There are undesirable ones, but some with a solid track record can be excellent,All Thanks to Mark Stuart Jordan and Lack Words to express my feelings
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
You can do your research Mark Stuart Jordan and be on the lookout for one with intelligent strategies who'll help your portfolio maintain an unwavering and a progressive growth.Mark Stuart Jordan is my FA. he has the Flexibility & Expertise to Meet Your Needs. Verify him yourself
Sit and wait it out.
@@anthonyyoung6433sadly a bot comment chain. You're the only real person here.
Caleb's entertainment brought me to you guys for serious financial advice!
please do more of these!!!! i love these so much!!
20-3-8 is a rule I learned from this channel and after selling my car because it was an unnecessary liability (I work from home and my fiancé has a car we share) I’ve been keeping my next vehicle search within the car payment rule and it’s actually nice to know what AJ should be doing.
" a pilon effect" was a joke that probably shouldntve made me laugh, but man, it got me so good
That friend zone comment got you street cred. Took me OUT 😂😂😂
This was a fun watch.. love watching you guys and Caleb.. some of the episodes that you featured gave me 😮 cause I remember watching them going 🤬
Dude @ 12:00 I think I remember was paying for his moms car, and electric/internet and stuff.
12:23 nope, it was his grandparents and aunts bills. Let's not make inconsiderate assumptions about people when you don't have all the facts. Would have been easy to get the full picture if you'd simply watched the whole video.
I agree, they need to watch the whole episode.
@@lindajohnson. I mean I do understand wanting to cover multiple episodes through clips, but they shouldn't be making disrespectful assumptions when they are well aware there's context missing, context they could easily find no less. This is the first time I've gotten the ick from something they've said...
no one got time to watch his hour episodes that have about 4 minutes worth of non duplicative content vs the prior five videos.
@@brandonvillamagna6223 apparently over half a million people do so why don't you stfu and watch something else if it triggers your jealously so much 🤷♀️
Lol, they showed a pylon when Brian said “pile on effect”
The young guy was helping his grandparents. Not a love interest
You know @Caleb Hammer made it…
When he doesn’t reply on a video of him…
You passed up your heroes…
Way to go my dude!! 🎉🎉🎉🎉🎉🎉🎉
You guys are like NFL 🏈 commentators, but instead of a football game it’s financial advice. National Finance League 😂❤
My neighbour bought a $60,000 fishing boat. I bought a $1000 inflatable boat. I'm out fishing while he's working overtime to pay for his boat. Makes ya wonder 😅
The timeshare guy is SO WILD lmfao. If you put $150/month in a travel fund and just use websites like google flights and trivago to find decent prices, you can go easily on 2 vacations a year. DUMMY!!! I only put $100/month in my travel fund and i usually go on a big camping trip and a vacation each year plus a day trip here and there
Do more of these! These are fun and informative
Would love to see more reaction videos like this one!
Both my faves!!! Keep doing what your doing guys 🎉🎉
The one guy was paying his grandparents bills, not friend zone. They raised him, not his own parents.
Actually that young guy towards the end was paying his grandparents bills because they were his guardians .
Thanks for editing these down. I have trouble making it through his full vids, because I get too mad at these and have to click off before the 'good' parts 🤣
The one younger kid near the end of the video was paying for his grandmother and aunts bills
So glad I bought my Corolla. My 21 year old VW was a money pit of expensive repairs. What a relief. My car payment is totally worth it and I’m not pinching pennies for it at all. So freeing.
Thank you for being there MYSTICFLIP when I wanted you to..... I was lost in this new world that I was hassled to start with ....you not only guided me along the way but you also showed me the proper way....whatever little I have been able to achieve in life is because of you today ..... I want to thank you for being there and showing me the proper way of doing thing for me you are my best guide as you truly showed me the way to life....once again , I would like to tell you a heartfelt thanks for being there.
Just bought my Corolla Cross Hybrid, payed cash. The vehicle before that was a 2004 Cadillac, drove that until it died. The new car made sense given that I have kids now and the safety features are next level. But the safety features on a corolla are virtually identical to a car triple its price. Glad I went with my amazing new Hybrid!
The young man was paying for a washer & dryer for his grandparents.
Hahaha, the mario kart wii steering wheel edit in the beginning got me good.🤣
Every time I see Caleb’s videos I pray these ppl he’s bringing on the show are actors😂
Love the editing of these vidoes😂😂 so happy to see the “I think you should leave” clip in the beginning
13:23 counterpoint, some of our "parents" become our children and we have to do the same thing to them before we ever had a chance to leave their houses.
10:12 that hurts…. One or two bad decisions took a bad situation and made it horrible….
1:47 you still have to have insurance even if you don’t drive it. She’s making her future insurance more expensive.
It only takes a few seconds to google and learn that you're wrong
At around 11:51... I think that clip got misrepresented because he was paying for family relatives bills. It had nothing to do with a romantic relationship. He lived with his grandmother and was paying for some of her bills plus some family relatives. Just to clarify that.
1:46 she’s still be an uninsured driver, the driver and car have to have insurance. The car is insured because the friend (assumably) has insurance but the driver isn’t covered
Another point about timeshares is they are loans you are paying on with that monthly payment. They usually have 20% interest rates. It’s like buying a house with a credit card.
So far, I have been lucky with cars. Each one I've had I have kept for 20+ years. I look forward to the day when technology makes it so I no longer need to own a car. The purchase and maintenance of a car is one of life's major expenses.
12:50 the guy is paying his parents bills and never said anything about it being for a romantic interest. Should never assume
Good Lord, every time I've seen a car for more than $20,000 I panic lol I refuse to pay anything over that. I cannot imagine paying so much for a freaking car. Paid $16,000 for my van at 7% and paid it off in 2 years. Be more careful people!
Love these reaction video guys I need more lol
Love the content. Happy Friday, financial mutants!
04:50 I think the guy fell into the trap of financial relativism. He prolly thought that after spending six figures on a house, spending $50 000 on a pick-up won't matter that much.
It's sorta like buying a house, and then not even trying to find a deal on new kitchen appliances.
In other words, if you are buying new appliances without the house, you are much more price sensitive.
I love both of your shows lol
Yeah! I'm a financial mutant, and a Hammer Head!
I’m so lucky to be 26 and never had a monthly car payment. I’ve owned 2 vehicles, 1 was an old pickup truck that was gifted to me when I was 16. Didn’t want to get rid of her but had to be done. Next car I bought off my dad when I was 20 and I still drive it today. And at this point I’m probably gonna drive it till it dies at which point I will attempt to pay for the next car in cash. Taking out a loan for a depreciating asset is just asinine to me.
First girl absolutely drove her car there lol😅😅😂
I might be young but I've seen a lot more children(over 23) paying their parents bills then vice versa
Id love to see a collab video with you guys and caleb. I dont know who he could get to agree to it, but i would if it were over zoom or something.
Can we get Caleb on the Money Guy Show?
12:34 the kid was actually pay bills for his mom, and I think his grandparents and maybe an aunt. I think they guilt tripped him into it so he feels like he has to do it otherwise their life is going to fall apart. Unfortunately they’re ruining his financial life in the process
That friendzone comment was so spot on 😂
Hilarious!
Also credit cards with rewards tend to charge 5%-15% more on interest than low interest cards with no rewards.
It was family he lived with rent free not friend or romantic thing but he paid their car insurance and his sisters car payment some other odds and ends
The driving crooner 😂
Caleb is great with a calculator and laying out a budget. He needs someone with more life experience to help people learn how to live below their means.
Preferably somebody with a mental health background. Some of his guests absolutly need it.
As far as credit card points.... I've used three different credit cards for points since 2007.... I've paid it off EVERY month at the end of the month and I buy everyday things with them... I don't finance vacations on them (unless I can afford to pay it off at the end of the month)... These cards have APRs well above 20%.... The points are nice, but a pittance compared to the interest they charge.... To pay interest of 20% that compounds to get 1% of bonuses that doesn't compound is ridiculous.....
20-3-8 rule seems a bit unattainable. You would have to make 81K a year to afford the cheapest car in America (Nissan Versa)
Don’t buy used.
There is literally no reason to do so.
Yeah that first girl definitely drove there without insurance.
These videos are not long enough. I need more, more of the context of each episode, more tips, more more more.
The careless whisper part 😂😂😂😂
Y’all would be surprised how many people don’t have insurance
"Fun" fact: In Texas, 25% of cars on the road are uninsured. 🙃
More Caleb Hammer please
The driving crooner edit 😂
These are great!
I like this content because I like Caleb and I like y’all
"Friend zone" guy is actually helping his grandfather who raised him.
Ive got a couple friends that need to wstch both these channels
Caleb is my Dave Ramsey. Dave Ramsey has never got past the 90s in terms of financial advice. Ramsey truly thinks what worked for him and 20-30 years ago will work today. Ramsey has no desire to evolve and change or that a one size fits all approach is perfect for everyone
Another note about timeshare my parents had one growing up and they did it because my dad is a workaholic and it forced him to go on vacation.
Good points all.
The reasoning for the time share is not a good point at all, lol