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.
@@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
@@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.
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
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!
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.
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.
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.
@@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.
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 🤷♂️
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
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. 🫠
@@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.
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
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.
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.
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.
Rewatching some old episodes. Have you guys done an episodes on how to handle questions on receiving inheritances? I’ve seen some questions here and there, but would be nice to have a reference episode. The Caleb react to timeshares is what made me think of it. If someone leaves you a timeshare there are very specific ways you have to get out of it and people don’t know about that. Not that you are experts, but we need to talk about these things, and in the upcoming years with Boomers/Silent Gen passing on, there will be a large transfer of wealth and Gen X/Millennials will need to be thinking of these things.
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
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.
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.
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.
I had a very, very lucky escape with one of those holiday club programs when I was in my early 20's. They convinced me to sign up, and it sounded great. Thankfully it had a 7 day cooling off period on the contract, and on researching the product I signed up for I realised it wasn't anything like as good as it was sold to me to be, so I managed to cancel within the 7 days period. A VERY lucky escape! I would have potentially been trapped for decades!
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!
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.
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 🤣
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.
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.
I owned a condo and at one point was up to my eyeballs in credit card and personal loan debt. I bit the bullet and sold the thing, which wiped out all that debt. The car got paid off 9 months later, I bought a new condo about 2 years later and paid off my student loans 2.5 years after I sold my first condo and got rid of my debt. The only debt I have now is my 2.875% mortgage.
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.
@@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...
@@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 🤷♀️
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.
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
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.
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.
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!
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 😅
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.
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.
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!
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.
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.....
When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss MYSTICFLIP
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 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
I am SUCH a Financial Rubbernecker and I’m here for it
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
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
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.
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.
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.
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 🤷♂️
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
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
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
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.
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
that first girl is definitely driving her car with no insurance
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!
IM GONNA LOVE THIS.
the money guys are mild as ever with their words, Caleb is as cut throat as it gets.
The music and sound effects on this episode are FANTASTIC and super funny/entertaining - great job to the editor!! ❤
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
Because of you guys, I’ve been binge watching all of Caleb’s videos 😂
Same!
Saaammmmeee 😂😂😂
Yup
Me too lol
Watched countless videos from your back catalog, heard about you through Calebs show, love the info!
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.
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.
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.
please do more of these!!!! i love these so much!!
Caleb's entertainment brought me to you guys for serious financial advice!
Oh my gosh yes! I loved your last C. Hammer video reaction! Please more!
Dude @ 12:00 I think I remember was paying for his moms car, and electric/internet and stuff.
I like your beer koozie. It sums up the issue with many of Caleb's clients!
Rewatching some old episodes. Have you guys done an episodes on how to handle questions on receiving inheritances? I’ve seen some questions here and there, but would be nice to have a reference episode. The Caleb react to timeshares is what made me think of it. If someone leaves you a timeshare there are very specific ways you have to get out of it and people don’t know about that. Not that you are experts, but we need to talk about these things, and in the upcoming years with Boomers/Silent Gen passing on, there will be a large transfer of wealth and Gen X/Millennials will need to be thinking of these things.
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
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.
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.
I had a very, very lucky escape with one of those holiday club programs when I was in my early 20's. They convinced me to sign up, and it sounded great. Thankfully it had a 7 day cooling off period on the contract, and on researching the product I signed up for I realised it wasn't anything like as good as it was sold to me to be, so I managed to cancel within the 7 days period. A VERY lucky escape! I would have potentially been trapped for decades!
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 🤬
Do more of these! These are fun and informative
The guy who was “friendzoned” was paying for stuff for his grandparents
That friend zone comment got you street cred. Took me OUT 😂😂😂
She was definitely lying about not driving the uninsured car...
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.
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 🤣
Would love to see more reaction videos like this one!
" a pilon effect" was a joke that probably shouldntve made me laugh, but man, it got me so good
Both my faves!!! Keep doing what your doing guys 🎉🎉
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.
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.
10:12 that hurts…. One or two bad decisions took a bad situation and made it horrible….
I owned a condo and at one point was up to my eyeballs in credit card and personal loan debt.
I bit the bullet and sold the thing, which wiped out all that debt. The car got paid off 9 months later, I bought a new condo about 2 years later and paid off my student loans 2.5 years after I sold my first condo and got rid of my debt.
The only debt I have now is my 2.875% mortgage.
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”
Love the editing of these vidoes😂😂 so happy to see the “I think you should leave” clip in the beginning
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.
Hahaha, the mario kart wii steering wheel edit in the beginning got me good.🤣
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
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
First girl absolutely drove her car there lol😅😅😂
Love the content. Happy Friday, financial mutants!
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!! 🎉🎉🎉🎉🎉🎉🎉
Love these reaction video guys I need more lol
I love both of your shows lol
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.
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.
12:18 “I have a theory” 😂😂😂
Every time I see Caleb’s videos I pray these ppl he’s bringing on the show are actors😂
The one younger kid near the end of the video was paying for his grandmother and aunts bills
The one guy was paying his grandparents bills, not friend zone. They raised him, not his own parents.
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.
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!
Actually that young guy towards the end was paying his grandparents bills because they were his guardians .
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 driving crooner 😂
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.
More Caleb Hammer please
The young guy was helping his grandparents. Not a love interest
The first girl is definitely driving her car without insurance 😅
The careless whisper part 😂😂😂😂
I think yall missed the context. The individual at @12:40 is making payments for his family, not some kind of love interest.
@2:00 Isn't it obvious that she drove there without insurance but was trying to hide it since she was on the show?
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.
Yeah that first girl definitely drove there without insurance.
12:56 I am a bit annoyed with the money guys here. He was paying for other family members.
Can we get Caleb on the Money Guy Show?
I use credit cards as a replacement for cash, not as a means to take a loan. Pay it off every month, or its a bad tool.
Where are they getting these loans!? From a Soprano in a back alley?
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!
Ive got a couple friends that need to wstch both these channels
I like this content because I like Caleb and I like y’all
That friendzone comment was so spot on 😂
Hilarious!
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.
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.....
12:50 the guy is paying his parents bills and never said anything about it being for a romantic interest. Should never assume
When referencing corporate America, he said “They don’t really care about you as they make it seem” realest thing he said...I’ve seen experienced it first hand in the DMV. Black ppl aren’t really respected in corporate America. Glad that he was able to get out of there and become his own boss MYSTICFLIP
You guys are like NFL 🏈 commentators, but instead of a football game it’s financial advice. National Finance League 😂❤
These are great!
Is it a Pylon effect or a Pile-on effect? The image of a football pylon threw me off, lol
Part 1?
0:53 The circular logic and lack of understanding a basic question hurts my brain.