The best budgeting program EVER: go.calebhammer.com no preaching, no upsell, no "guru" bs. Just the best budgeting education and resource program ever made. Discounted through Black Friday/Cyber Monday!
I really like this guy. He is accountable and you can hear in his voice that he's been working in therapy. $50-$100/mo on eating out is impressive! I really liked when he said, "It's an imperfect budget but one I can stick to". That's progress! I think many people start off too strict with their goals and then get discouraged. He's so open to learning and following directions, too. Good luck, dude!
Considering I'm adhd and I've only recently started taking a real look at my finances I've been spending over 700 on take away or takeout foods and 100 is an absolute goal of mine now since this video love this one so much
@@Chaseckajust because you figured it out, doesn't mean he's not doing his best. Maybe his symptoms are worse then yours? Maybe he hasn't had the right treatment as soon as you did? Maybe back when he was a kid the treatments offered to him weren't as good as you got? People are different and have different ways and timespans of overcoming their struggles. Don't judge a life you have not lived, even if you see similarities with yours. He's trying, as long as you try to improve, you have me in your corner. ❤
IANAL, but..... basing your entire financial stability on a business that is built on unauthorized use of intellectual property you don't own seems like a terrible idea.
I’m actually confused cuz I see tons of artists selling copyright material. I just bought some 3D printed shit for my wife for Christmas. So do they all fly under the radar? Do they get banned and come back under a different name? They can’t all be in the same predicament as this guy can they
@@TonyCox1351 Some are just more enforced than others. Some creators love people using their characters. Disney, for example, is very harsh on people copying their stuff.
Dude, when you finally get the cease and desist letter from Peanuts Corp. It's over. Destroy all your stock. They will succeed in getting a judgment against you if you keep doing it. Building a business on artistic copyright infringement is also destructive behavior.
Caleb, recently beefed up my emergency fund in part because of your videos. Had to call a plumber to my house and got a $1200 bill, but it’s no sweat because we started preparing months ago for something like this! Thanks man! You’re out here really helping people!
Almost a year ago my pops asked me to start managing his money. We’ve got his emergency fund from 2k to 17k. My pops now has peace of mind knowing he doesn’t live paycheck to paycheck anymore.
I understand Paul’s thinking by building in contingencies in his budget… but I also understand Caleb’s frustration/passion about the magnitude of his problem. What I would have appreciated from this video would have been a look at timelines with Paul’s budget and comparing them to Caleb’s no nonsense budget, I.e. how long each would take to help him to reach his goals. That realization might have been more impactful for Paul. I know Caleb speaks of not having a one size fits all budgeting programme but I kinda be comes one size fits most when you don’t take into account humans’ imperfect humanness. In a perfect world people would adhere to a strict budget and easily get their shit together. Paul’s realization of his imperfection and including that in his plan is worth commending. That’s just my two cents. Thank you Caleb for this content and your passion towards improving finances not just Americans but worldwide (I’m watching from Barbados) Thanks to your content I am working on getting out of debt and building a fully funded emergency fund.
I feel like unlike some recent guests, this guy is way more genuine. I think Caleb was being a little harsh with him this time. I'm not sure if tough love is one size fits all, but I do appreciate why Caleb reacts the way he does.
I had the same thought. I love Celeb don’t get me wrong. ❤ but I think he has had to beat the point in with hammers (no pun intended 😅) for his recent guests whose finances were unhinged that he was kinda on ‘attack mode’ from the beginning a little. ❤
I don't think he was being harsh. This guy had excuses on excuses on excuses. You don't improve with that mindset. So you have to break through those persons until they start being honest with themselves
@@bigd2256an excuse is ‘I can’t do XYZ because of XYZ’ not ‘I struggle to do XYZ because of XYZ’. Acknowledging something will be hard is not an excuse, but refusing to do something for XYZ reason is an excuse. All I heard from this guy was him acknowledging his struggles, not flat out saying ‘no I can’t do it because I had ADD’.
I love his bad day fund, i think it demonstrates that he's recognized and is aware of his pitfalls and is able to mitigate impact by putting them in the plan. Instead of, like, not having anything set aside for those moments and then suddenly having a financial meltdown bc he didnt set aside the funds for the smaller "engine checks" (so to speak) beforehand.. He seemed open and receptive to your plan, i don't think he had everything made up in his head at all. I think this guest is the one I have the most hope for (assuming he diversifies away from copyrighted material, otherwise i fear a litigious company may make things much worse), I hope he returns in the future!
@@ultraboombean interesting! On the opposite end, I'd treat it as a rolling fund, which would kinda have a motivating effect on me bc whatever I don't spend this month would roll over into next month, so I would feel incentived this month to really reconsider my extra "small" purchases (like taquitos), knowing that it could be a bigger amount next month to work with 😄
@@julesc7098great idea! Another way to think about it is an insurance policy. You hope nothing happens but it's there just in case in order to prevent things from getting worse.
@@julesc7098 I'm AuDHD and was thinking the same. I think a good compromise would be to have anything left roll over for say 6 months. At 6 months, the highest possible amount in there would be $600. I'd say "okay, at month 6, you use $350 to pay a debt. You get to choose what to do with anything leftover." It would encourage not using the fund, and trying to stick to only using it for
This makes me very nervous. I don’t think he understands the severity of copyright infringement.. you may not care but the brands surely will. Especially using snoopy, or anything along the lines of Disney - they will come after you & sue you into the ground whether you’re making $100 or $100,000. If he’s making upwards of $80k+ from profiting off of copyright material that’s grounds for federal charges & jail time.
That’s exactly what I’m thinking. You do NOT want to f around with Disney. They are SO litigious…and like you said, they don’t care how big or small you are. They will ruin your life. He’s playing with fire.
Caleb is so used to dumpster fire budgets and finances, he can't realize this guy has made tremendous progress with everything! Giving him such a hard time about some extra spending that is budgeted. My husband and I got out of $162k debt and had a small line item for random guilt free expenses. Like $50 a paycheck, but still needed for mental health! Sidenote this guy needs to stay away from the trademarks/copyrights, he'll get sued one day instead of banned.
Thanks for the perspective. I was getting irritated with Caleb hounding this guy, but it is likely because Caleb's gotten used to the insanely irresponsible guests. Paul sounds reasonable, and he knows what steps he has to take for lasting change and what allowances he has to make to ensure he doesn't implode from ultra restrictive budgetting.
I wonder tho - if he allowed ppl to have fun money if they would be able to adhere to his plan. With dieting ppl fail when it’s too strict. It may have worked for him (cutting debt) but if ppl are saying that’s too much, it would make sense to see if he could adjust.
@TJrules299 people have asked him about this. His response is" this iswhat I would do' rhere is no law saying they have to follow it. And honestly, if people had the control to only spend 25 or 50 a month on fun, and this was their only expense not following his plan, I think Caleb would be happy at least 90% of the time. The issue is people dont only spend 25 or 50 a month coming out if this show typically, so people just need to take their finances in hand
I personally agree with Caleb's approach of no fun at the start. I do think you should add some fun after you make some major progress but going all in as you start leads to more success than being luke warm generally. I also don't disagree with highly intentional budgeting of fun as well if you are in the mindset to stick to that budget. EDIT: Also, no fun until you are out of IRS debt is extremely logical.
Other platforms don’t ban you for that. He was trying to say he should have had those in place knowing that Etsy could ban him any minute and he didn’t.
@@zzz_steve nope... 57 seconds in the video. He admitted he ignored the copy infringement risk, due to un managed ADD therefore blaming his violation to ADD.
Hope the guest reads this- dude I was diagnosed 15 years ago and feel like we have similar strengths and weaknesses, your description of your struggles is heard and you’re not alone. I’m also 2 months sober! When Caleb said “what am I supposed to do with that” I was thinking “exactly!” It’s just the way it is with ADHD, we have to put in 50x effort for the same output and I’m proud of you for what you’ve managed to do so far and what you’ll continue to do ❤
Thanks a bunch and I’m proud of you for staying sober. I know I’m not alone and really hope that my example helps others who are struggling with this realize it’s not hopeless.
Wanted to say thank you Caleb. I was making terrible decisions with my 93k salary. Since starting the channel I've created a budget and paid off 26k of my 35k debt. I'm on my way to financial freedom by early next year!
I got deep into debt with the 2008 crash, but negotiated my way out with creditors two at a time. Took 5 years but now living in blissfull no debt. It can be done and maintained.
I haven't seen such a likeable guest in so long! He seems like such a kind person who cares deeply to better understand and improve himself. I hope so many good things for him 😊
Ive been diagnosed ADHD since I was in middle school. It wasnt until my early 20s that i realised how much it actually affects my daily life. So I really feel for this guy. Its really hard to explain ADHD without it sounding like excuses. But, with medication and understanding of it, you can overcome and you can always get back on track! One big push is all it takes
Been diagnosed with Bipolar at 32, a lot of the symptoms are the same (when I am in a mania phase). It's really hard to manage, but I found that having friends in the same situation that can act as a soundboard helps (like an AA meeting).
Exactly.. it IS hard to explain if someone isn't directly around it. It is even difficult for those WITH ADHD to grasp it's impact. It can be real upsetting when we're accussed of FAKING it. No doubt there are SOME that do.. but they make no acception for those who struggle with the actual condition. There's a lot of ignorance out there on the topic.
Out of curiosity. Do you think the reason the symptoms are more obvious now is because in school it was regimented more? I feel like that is why mine is worse now at 26.
I think it affects you more in adulthood almost bc there’s no more parents or teachers keeping you on track. It’s just like out the door you go, good luck. You have to structure your own life, etc.
@@brittnay279 Right on the money. I went to the army for two years, met a couple soldiers with ADHD. Since they didn't have any responsibilities it didn't affect them at all.
I REALLY LIKE THIS GUY!!! I think he is very intelligent. I can definitely relate with him. You can tell this guy has so much energy and drive, just needs to learn to focus it. I wish him the best!!! I hope he continues this journey to wellness.
I always love to see financial audits with more established guests because it can teach valuable lessons on what can happen if you don't get your finances together
@alexkrumrai924 oh my gosh I can't stand those. Maybe it's super great for that age range audience, so I get that, but I think a lot of people were so dumb in their early 20s. Not everyone, but a lot.
Paul your on the track to change your finances and help others that struggle in your situation. Stay positive, stay motivated, stay focused. Keep up the great work on the art you make. Love the taquito art you gave as a gift. To have Caleb instantly want to buy a sign from you just shows how talented you are. Rooting for you man, you got this!
This guy is amazing, he’s super self aware and I think he genuinely will make it to where he wants to be. He’s motivated, sets himself the buffer he needs. Intense isn’t going to work for him, but he is finding a way that makes it work. Looking forward to a follow up episode.
This guy has a lot of awareness of ADHD and it's really good to see his approach to moving forward - he's learned what works for him, what the challenges of ADHD etc. are. I really wish a lot more autistic/ADHD (a lot of them sadly undiagnosed) were able to educate themselves on the subject, because it's so important to allow people to take back control.
@@truebengalsfan seriously? It can allow people to completely change how they're living their lives for the better. Not being aware that your brain and body works differently means you're on autopilot, which often leads to burnout, breakdowns of jobs/relationships, debt, poor health etc. I'm 38 and recently managed to stick to a fitness routine for the first time in my life - I was only able to do that because I know these days what works for my brain and body.
No I believe unfortunately u have to tough it out and push through just like anyone else especially as a man . Society does not care about your mental health issues as a person and especially as a man society will not accommodate to you . Many people come on this show and try to use mental health as an excuse for everything like they will get a get out of jail free card
Paul - thank you for putting yourself out there and coming on the show! It’s helpful seeing someone adjust their system to make it work with their issues rather than trying be so hard on yourself. With ADHD, it’s definitely important to adjust your environment and not ONLY blame yourself. Yes, we can understand that we are responsible for our behaviors, but also understanding that we can adjust things to make it a bit easier on ourselves is also important. I wish you all the luck and know that you can do it!!! 😊
As someone who has severe ADD this man is doing awesome! Im so proud for him, he is doing so well. The bad day fund is brilliant. I completely understand the failure thing. Its definitely a handicap. It was sad to see calebs lack of understanding on this issue. But overall my favorite episode.
Caleb is trying to help you with your finances. He can't help you with other things like ADD. So don't expect him to stop doing his job. You have the wrong expectations.
@Ferdinand208 expections! I expect him to be more understanding if he claims In all his videos he cares about metal health I dont like how keeps brushing his small accomplishments under the rug when it so clearly means a lot to him you can't tell me out of everyone this guy is genuinely is trying. Im mad I can relate because I don't like being a victim but this episode made me realize I have to address a lot of things myself.
I disagree I have ADHD among other things and I feel like if I made a fund like this with how impulsive I can be I would fail. If I’m feeling depressed or having a bad day I’m going to spend that in a heart beat. Something I struggle with is structure and once I start slipping then it’s out the window. Everyone is different but if I was in his shoes I would want Caleb to call me on my bs and hold me accountable for my own actions. I also don’t think of it as a handicap, my brain is just different and I navigate things differently. No hate just trying to show you there are different perspectives :)
I also have severe ADHD and finances are are HUGE source of stress for me. I feel like a complete victim at times, while beating myself bc I can’t “get it together” but anytime I’ve asked for help, I feel like I put the person helping in a bad spot bc it’s such an impossible situation. I’ve worked myself into a mess and its super embarrassing bc now my husband has dementia and my 4 kids are old enough to realize I’m always saying no bc we are so broke. The way it eats at me makes it so hard to do anything except spend when I have it. I pay the bills, say yes to little things the kids ask for, buy what we need at the moment, then run out of money by the 10th of every single month.
@@mastercheetosquad4101The issue is this is tough love on finances. Not “understanding” the banks will give zero sh**s about your mental health. It’s why behavioural therapists and clinical psychologists exist. They’ll help you deal with your day to day mental health with plans etc. this Caleb guy is here strictly for financials. Do this, don’t do that if you don’t want to be up to your eyes in debt and want financial success.
I relate to this guy so much. Having a small “personal spending” category in my budget akin to his bad day category is the only thing that allowed me to pay off all my consumer debt this year.
I definitely agree. Spending every cent on paying back debt is definitely ideal but I think for many it’s not realistic especially for longer stretches of time.
Yep, I cant do regimented budgets. I give myself plenty room for “free spending” outside of debt payoff and fixed expenses and I’ve been able to make it work. Still paid off 10K of debt this year!
We always called it “blow money” that you can blow on whatever, could be a monthly Starbucks/taquitos in the beginning or something more extravagant once you’re debt free
Yes! I was getting frustrated with Caleb when he kept dismissing this as him making excuses and avoiding accountability. He was doing what works for him. I am the same way. If I mess up it can lead to days/weeks/months off the wagon. I wanted to say to Caleb, "ok next time you're having a panic attack I'll tell you to calm down, that your anxiety is an excuse." I'm a big fan of Caleb but this episode really bugged me. As an ADHD person undiagnosed until her forties I am trying to work through the decades of shame that I have felt for not being able to do things the "right" way.
Yes, I really related to this guy also! Being an independent contractor and having my income go from amazing to iffy, then with inflation my rent doubling these past few years I have done something similar. It helped tracking spending for 2 months but also seeing my expenses go down, was able to get an affordable rent bc I moved into a garage apartment. It is so easy to criticize and be judgemental, but he is doing really good and should be congratulated on the hard baby steps he is accomplishing at this moment to get out of the dreadful debt hole. I would focus on the IRS first. After I quit and did my side hustle it was painful doing taxes with my business and owed a lot of money, but now I can write off many expenses so my tax bills are the least of my concerns :).
He just shouldn’t be a business owner IMO. Copyright infringement, unpaid taxes, no sales. He’ll be lucky if he doesn’t get sued soon. I wish the best for him, but DAMN.
This is a really easy guy to root for. Really hope he gets it all together. Seems like such a genuine and nice guy and looks like he does some amazing work. And really, he seems like he’s on track to getting this all sorted out already. Hopefully the progress continues and he can become even more safe and secure in the near future. Prayers to Paul! You can do it man! And absolutely love the work you do!
unmanaged ADD does not mean its ok to sell copyrighted/trademarked materials, please do yourself a favor and come up with your own stuff before you get sued for everything you have ( even if its not much).
I really like Paul. Kudos to him talking about his experiences and ADD. He is such a relatable person as its so easy for someone like myself on the spectrum and structure/routine needs to be followed. I hope this episode gets tons of views, likes. Paul we are all giving you a virtual hug and rooting for you in the journey to FI.
Hearing Paul discuss his ADD/ADHD symptoms and being untreated for so long hit SOOOOOO close to home for me. My entire life was so structured up until graduating college, and my mental health just completely fell apart because I suddenly didn't have any obligations besides doing the bare minimum for my dead end job. Everything he said about executive disfunction, lack of time management, planning, etc. etc. omg it just hit my heart so hard because I TOTALLY understand where he's coming from. Retail therapy was and still is a BIG copium for me that I'm trying to manage on top of paying down debt, building savings, etc. I appreciate so much that he opened up about those things because it really made me feel like my personal experiences with ADHD are not as unheard of as I thought. I'm still working to find some kind of structure again, and I really hope Paul and I and anyone else struggling with this journey all find it.
He's tackling a lot all in one year. He's aware and trying. Moving forward I hope he continues to follow through! And compared to other self-employed people on this show he's already has a CPA helping him. Most CPAs do take time off between Nov-Dec. lol
Thanks a bunch! It has definitely been a hard year but I thankfully had a lot of good habits and systems in place before everything fell apart. Now they’re coming back quickly and I’m able to make more meaningful and sustainable change now that I’ve got the right support and structures in place.
"it's a handicap, not an excuse" was a great line and I hope it's ok but I'm stealing that to use myself. Huge respect for this guy, I'm sorry Caleb but there were aspects here where I felt you just didn't understand that side of ADD but respect for trying all the same
Caleb needs to work on recognizing when he’s not fully versed in an area that requires sensitivity like ADHD and mental illness. Not suggesting that it’s a justified excuse for poor financial habits but recognizing why one handles it a certain way - ESPECIALLY when struggling with handicaps like that - is much better for long term success than simply always on yell mode.
It's okay to steal and use it yourself because he does not believe in respecting the intellectual property of others. That is how he got the boot from Etsy.
I've commented before about how important proper awareness of ADHD/autism (and how they contribute to debt in various ways) is super important. Honestly, practically every 'reality' based series on TH-cam should get more clued up about neurodiversity - I see shows about catfishing etc. where the hosts seem to have no idea how many of their guests are clearly autistic and/or ADHD.
Having been an Etsy seller, it's a very saturated market for anyone to get in right now unless you have a very unique product. Not surprised he got banned though because they do not mess around with IP infringement. Glad he is acknowledging that though.
As someone who has previously dealt with nearly three decades of unmanaged ADHD, I truly believe what he’s saying about that being the root cause of his behavior even if it’s not an excuse. The REAL question is how he processes this advice and what he does next. I’m hopeful but he’ll need to change decades of destructive habits to do so (drinking is just about the worst thing for ADHD) and that will not be easy to do.
I really actually feel for this guy and it’s the first time I’ve felt like the excuse is real and I can tell he’s actually trying and I am really rooting for him honestly
Really respect some of the stuff said around the eating out budget and managing that with ADD. ADD is oftentimes all about building healthy routines and fighting to maintain them. Quitting eating out overnight is just not possible but taking 50-100 out of the budget a month is a great way to build the habit of cooking up slowly
I feel like he understands his disorder very well. I struggle with ADHD and there is a system for EVERYTHING. You have to create these seemingly elaborate systems to get through normal life that other people don’t need. How he is doing his budget is exactly how I do it-strictly budget, but allow room to “mess up.” If I don’t build in a bit of room to “screw up” I will completely give up on the budget altogether. It might seem like he is making excuses to folks how don’t have AHDH, but there is so much guilt involved in having ADHD, you feel like you have to work so hard just to function normally, and every time you mess up it’s just another reason you suck bc you aren’t normal, so you may as well give up altogether. Building in guilt-free “screw ups” is like giving yourself permission to not suck. I’ve spent the last year on a mission to get debt free (I will be in 2 weeks!!), and after so many years of trying to budget out of my debt, using a system just like what he is doing is what finally worked!
Dude I swear us adhd brains are exactly the same. I run my own business and what you describe is EXACTLY how I feel in regards to my workload allocation / scheduling…
Thanks a bunch and I’m glad it’s working out so well for you. A big reason for coming on here was to show others who are struggling with this some tips and strategies that work for me so hopefully they can get a budget to work for them!
I really love this episode. This guy clearly has a deep understanding of how his ADD affects him and he is strong when advocating for himself and his needs even when Caleb was pushing back pretty hard. “It’s a handicap, not an excuse.” is a brilliant quote and is something that people with adhd should feel more comfortable saying.
Yeah as somebody who has ADHD, could get medicated today for it if I wanted, saying ADHD or ADD is a handicap is pathetic. These are the opinions of a 12-year-old child making excuses for not doing their homework, not of a grown human being with any semblance of responsibility. And the fact that society at large allows people to express opinions in this fashion is insanity.
Good thing all the deals suck anyway lol! Amazon jacks up the prices THEN discounts it. I keep seeing posts on social media for their Black Friday “deals” and I’m just thinking to myself that’s the same or close to the same price it’s been all year 🙄
i’ve gone from $14k credit card debt to under $7k since watching your videos.. all credit cards are gone. thankful for your content and what’s its gotten me through in 2023.. losing my job, milking savings and starting a new career while still trying to budget and pay off debt has been wild. Challenging my self to buy the program tomorrow and next November sign up to be a guest to show you the impact you have made financially in my life.
This was another great episode...only disappointment was that you didnt plug the LED creation in! I would have loved to see how it looked lit up! Thank you caleb for all your hardwork!
My heart.. my husband struggles with very much the same issues. He would struggle similarly. I know that many people here would look at him and blame the crutch of ADD. But I am married to someone with this similar disorder and a son who has it as well. The struggle is SO real. It is never intentional but when your brain literally derails your goals and priorities, it is so disappointing. He is right that it is a constant failure because their brains work against them. So proud of him for continuing to show up and try! You got this man!
I hope this guy turns it around. Being in his 40’s, times ticking to make changes quick. You blink and he’ll be in his 50’s. He’s got to be 100% committed to get debt free and build his retirement/future. Having a business mentor to gain some business acumen might help too. Great video. Thanks for sharing.
Yeaahh, as both an artist and Etsy seller, it hard core irks me to see all the art theft. If you didn’t drawing it yourself(or commission it with permission to sell), DONT F-CKING SELL IT. Infuriating that he made 60-80 grand off other people’s art and copyrighted characters. Unless I missed something where he says he does his own art? I don’t think I’m mistaken.
I very much support his “bad day fund” he’s using it as a break glass in case of emergency to manipulate himself. He can only break that glass once per month, so he’ll be more cautious about whether this bad day is worth it. Think of it like potions in a game. Sure using them may help you in this boss fight, but what happens if you use it now and the next fight is harder. In a rush rn so i hope that made sense
Your videos encouraged me to go over the last few years of my credit card statements and have a hard look at what I'm doing and start making a plan for myself. Happy to say that when I'm tempted to impulse buy, Caleb screams in the back of my head
Strong work 💪🏻 we’ve knocked out a card that had a ten thousand dollar balance- this will be the first year that Christmas didn’t go on the credit card. Feels amazing!
The THING with adhd is... it exhausts you. Trying to stay on track is a constant struggle that leaves one with little left at the end of the day. What HELPED me somewhat was finally understanding that everyone WASN'T struggling like me. I became a tad kinder to myself. Some people sadly still don't Get It. They believe that 'TRYING Harder' will fix everything... it doesn't. It's like saying... Try Harder to change your green eyes to brown. It's how we're hard wired.
I feel like Caleb is going to have a small print add on soon that says “if you have been diagnosed with anything by a professional do not sign up for this show because I need to yell at you and not feel bad about it” and I don’t blame him
@@CountingStars333 go cry to your therapist about it That you'll see forever for some reason. Don't forget to buy your meds too! Ya weak ass alphabets 🤣
@@CountingStars333 Mental health is 100% real, using it as an excuse to justify every single bad habit and fault within your life is not. This dude literally used ADD to justify his copyright infringement business like two minutes into the video. Get a grip.
probably my favourite guest ever. I don't have a similar handicap but definitely relating to the problems of focus and structure. Such a thoughtful dude. We all get into problems. You got this man!!
11:03 excellent pivot Caleb, Im incredibly happy this guy has taken the choice to go sober and has made great progress but lets get it on! Im hoping this guy is on the upswing and youre here to give another boost
Yes! The past few episodes he’s allowed the tangents to go too far and to get too far away from the financial issues, effectively allowing the pity party to continue.
As someone who has severe ADHD I relate to this man a lot. The impulse issues have been an issue for me as well. Now I have a much better hold on that spending, and I never really eat out anymore.
I’m 55 and semi-retired with IRA sitting in cash, but not impressed with growth so far. How can I take advantage of the current market to make gross profits and retire comfortably rich? Heard of folks that turned millionaires in shaky times like this.
Agreed, investing is plain-sailing with the help of a reputable advisor, and at first-hand experience, I've seen my investment portfolio of initial $500k yield into a 7 figure amount in a space of 2 years. I and my advisor intend reallocating into gold, recalling the 1929 crash.
I've shuffled through a few advisors in the past, but settled with ''Theresa Leigh Detrick'', she's well-qualified and very easy to work with, luckily her profile is widely visible on the internet.
thanks for putting this out... just came across the consulting page of Theresa Leigh Detrick immediately after inputting her full name on my browser, and I was able to schedule a call with her, she seems very proficient in portfolio management
Okay everyone, chill out on the scammy recommendations, here. Financial advisors aren't magic; they don't consistently beat the market. Buy a low fee, diversified 3 fund portfolio (or just an all-in-one target fund like VFIFX) and don't make things complicated. Oh yeah, and stay far away from gold. It has terrible long-term returns.
That's a bunch of bull about why he didn't give you his business checking account docs. I'm a CPA, and there's no restrictions about not providing them to you.
This Chanel is so great because not only is it financial advice. But it shows how much people struggle on a human level. We’re not meant to be robots and work our whole lives to barely get through. I have terrible anxiety and have lost jobs because I used alcohol to cope with it. It’s a lot of mental health issues out there, and that’s the bigger picture here. Hope everyone had a great thanksgiving. Keep up the great vids Caleb.
@@slickricksettles But it stands to reason that he would still be selling IP-infringing art on other platforms had he diversified. If he sold the same art, he would still be infringing, but maybe other platforms wouldn't have cared as much as Etsy does.
Dude nobody actually cares about copyright infringement and if you do then you’re miserable. He’s working taking care of himself which is what’s important.
@@quandale3311I don’t think you understand the severity of copyright infringement.. you may not care but the brands surely will. Especially using snoopy, or anything along the lines of Disney - they will come after you & sue you into the ground whether you’re making $100 or $100,000. If he’s making upwards of $80k+ from profiting off of copyright material that’s grounds for federal charges & prison time.
@@quandale3311 Every artist cares about copyright infringement if they do or plan to make any amount of money off their art. Every photographer, author, illustrator, etc. that I personally know takes copyright extremely seriously. Without copyright law there is no little creator that makes it, because every mega corporation could just copy and out-distribute whatever the little creator comes up with.
I started listening to Caleb about three months ago and I have just paid off one major credit cards and working to pay off my second and will finally will be credit card debt free so thank you Caleb ! ❤
Caleb!! ❤ thank you! I'm in the same boat as many of these people that come on your show....but let me tell you. When you start ranting off of the statements, STARBUCKS, TAQUITOS, UBEREATS, ULTA, etc.....its a stab in my heart because there's nowhere to hide....that has been me in the past! Instant gratification, consumerism fueled by social media, wanting our kids to have everything and anything they desire.... working on it, and that budgeting tool of yours is gonna help me get there. I really appreciate all the work you guys put into these episodes. 🎉 Happy Thanksgiving and God bless!
I have ADD as well, have no problem following a proper budget and saving money while being on top of my career. It can get tough some days but medication or not it requires CONSTANT effort to work with.
As someone who is married to a person with really bad ADHD as well, I understand what he’s talking about around the 59:30 mark. My husband has to have almost little fail safes planned out to keep him from losing momentum. It has taken me a few years to really understand because I would think of it like Caleb in a sense of not wanting to just do the damn thing, but it’s not them not wanting to do the thing, it’s quite literally just how their brain kind of operates so they can do the thing more successfully. To someone like Caleb and myself it sounds like they’re giving up before they try, but it’s not that at all. I think he sounded really receptive to Calebs help and I do think (and hope) that we will see some great progress in an update episode down the road.
Thanks a bunch! I was really hoping that my example and explanation of what ADHD is would help others avoid the same mistakes I did. I hope some of the strategies and tools I’ve been using will help others build and maintain their own budget and get to a better place in the long run.
This man needs to get a regular, structured job. Then he could focus on the other aspects of his life and not give any energy/time/energy to his self employment. A regular, structured job would allow him to be and feel successful without as much drama. Am I understanding he’s still using copyrighted materials even after getting kicked off Etsy for this? Maybe I’m confused …?
Oh you’re not confused. He got busted on Etsy, and is continuing his business on other platforms. The fact that he’s advertising on Google is terrifying. He’s going to end up getting sued for everything he’s worth….especially with Disney. They are not to be f’d with.
Hi I have ADHD and I’ve not taken medication since I was 10. I save money have a good job do my taxes and I really don’t like the way this guy uses the mental disability as a crutch. I remember telling my 8th grade history teacher “just to let you know I have adhd” and the first thing he said to me was “ I know you do but don’t let it be an excuse for all your failures” and that really resonated with me because it gave me a sense of control and confidence. Thanks Mr. Gay if you’re still alive I wouldn’t be in the position I am now. Btw I failed the 8th grade that year just to add some context.
Took me about 3 years to get out of the 27k debt I was in and to build a 1 year emergency fund. Now I budget, invest 10%, and save 80% of whats left after that for a house down payment while spending the other 20% that’s left on bs/taquitos. It’s worth it everyone… I’m 27 and I’m finally in a spot where I’m looking forward to the future. It’s crazy how free you feel after not having debt anymore but don’t realize how free you are prior to going into debts.
While I sympathize, I've seen way to many people these days use the "I have ADD/ADHD" or the "I was off my meds" excuse. Knew a young man, who would constantly drop the ball or miss critical deadlines and this was always his excuse "I have ADHD." It eventually became apparent that he was just going to laugh off ANY mistake or error he made with the same, old excuse. You've got to take charge of your life buddy. The REAL world, especially the IRS, does not care about your condition or excuses.
You clearly do not understand ADHD. It's not as simple as "taking charge of your life" when you have ADHD. Would you tell someone who is paraplegic to "just get up and walk, buddy"? No, you would not.
Thank you for all you do Caleb! You’ve made me more confident and knowledgeable about my financial life. Got my emergency fund, set up for retirement, now time to tackle student loans! Have a great holiday- you deserve it!! ❤
I just got back from a 3 week rotational working 70 hours a week. I binged the entirety of this series during that trip I'm glad I'm not in the worst financial situation, but this gave me some perspective and ideas of things to do differently. Starting with a real budget,,,, and rolling back my plan to buy a newer car, better to keep repairing rusty old faithful and remain debt free I'm very grateful to everyone willing to put their situation on display to help others learn and grow 💗
Caleb, how many episodes did you film this day? Lol you’re so tired. This guy is a true fan, understands his shortcomings, admits his faults and is open to doing better. A dream!
Copyright infringement is still illegal regardless of what platform you do it on, and if he was banned from etsy that means the IP holder reported him and is aware. I think it should be noted that all of his income is illegal and he is at risk of being sued for every penny he has ever made selling charlie brown merch and he would lose in court because what he is doing is a crime...
As someone with ADHD, i learned, like this guy, that I have to budget differently than a normal person. Theres this term in our community called the "ADHD tax". Money lost to ADHD. Its an inevitable part of life. We lose shit, forget shit, have impulse control issues. I took out private student loans because of the "ADHD tax" (missing FAFSA deadline). Very expensive ADHD tax... Best advice I ever got was to pay the ADHD tax up front. Basically, pay for anything that will keep you from spending more later. For example, chargers for every area you use a charger instead of paying over and over for lost chargers (which at one point was almost a monthly expense for me...). In this case, I think a fund for the impulse spending is a great idea. I found i will be good for weeks or months and then there will be one day where my shopping will go crazy and suddenly i am panicking because I just spent hundreds of dollars in the span of a few hours. I found that the longer i go doing "good", the more I have likely spent as well. In this case, separate spending set aside for that seems like a great idea. It can serve as a stopping point in a way and keep you from spending as much as you would. Personally, I pay myself an allowance on a separate card to give myself a stopping point to this spending. I am trying to reduce this and build money saving habits, but I just know based off of previous experiences that budgeting for it is best for me
I so get it, I am a Huberman fan and watching that alcohol video really helped me realize that it greatly impacts my life and I do not consume. I posted the video on my FB to share with friends/family. Glad this man is getting the support he needs. Pull the free credit reports every so many months from the different companies to catch/fix things. Since I know many dealing with ADD this guy is so spot on for some people. I think a support group to check in will help him with accountability. I am surprised the anxiety caused by preparing for this show let him get any documents ready for the show. I hope he checks the comments and knows how much we are all pulling for him. Outright buy a phone, not the latest model, there are thousands on the secondary market.
Not suprised he made that much on etsy stealing , when i had a business i made original products and got no where but the people stealing and price gougung were making bank and talking like they were entrepreneurs 😂 glad he got ahut down persnally
The best budgeting program EVER: go.calebhammer.com no preaching, no upsell, no "guru" bs. Just the best budgeting education and resource program ever made. Discounted through Black Friday/Cyber Monday!
Just started it yesterday! I’ve already learned things I did not know; excited to see what is ahead… thank you for your work!
Hey Caleb, would it be useful for a Canadian or is it more American focused?
@@rollingintheroses it follows more American stats, but the budgeting teaching and resources should be applicable
@CalebHammer your thumbnail says “Why?! BALLSACK Why Possibly?!”
😂😂 nice!
@calebhammer what are your thoughts on the monarch money app? It was created in 2020 and is a combo of ynab/mint/everydollar.
On this American Thanksgiving, I give thanks to Caleb Hammer for consistent episodes to make sure we stay on track with our finances.
I give thanks to YOU for your constant support ❤️
you are helping many in America and Canada up north @@CalebHammer
@@TheDrewsperienceCanadians like me approve ♥ happy American Thanksgiving
Agree
AMEN 🙏
I really like this guy. He is accountable and you can hear in his voice that he's been working in therapy. $50-$100/mo on eating out is impressive! I really liked when he said, "It's an imperfect budget but one I can stick to". That's progress! I think many people start off too strict with their goals and then get discouraged. He's so open to learning and following directions, too. Good luck, dude!
Thanks a bunch! I keep reminding myself of that all the time and just try to make slow, steady changes each month to the budget.
Considering I'm adhd and I've only recently started taking a real look at my finances I've been spending over 700 on take away or takeout foods and 100 is an absolute goal of mine now since this video love this one so much
@@pacguycool😮
You’re cute
@rage1154 how is this going?!
I like how he openly admits to still be participating in copy right infringement just not on Etsy
This episode is one of my favorites. As someone who has ADHD, I find that we often struggle with the ups and downs. Rooting for you Paul!!!
I have ADHD and I find it ridiculous to blame all of his issues on ADHD.
@@Chaseckajust because you figured it out, doesn't mean he's not doing his best. Maybe his symptoms are worse then yours? Maybe he hasn't had the right treatment as soon as you did? Maybe back when he was a kid the treatments offered to him weren't as good as you got? People are different and have different ways and timespans of overcoming their struggles. Don't judge a life you have not lived, even if you see similarities with yours. He's trying, as long as you try to improve, you have me in your corner. ❤
@@Chasecka that's because you're lying😂
WE ALL STRUGGLE WITH THE UPS AND DOWNS.
IANAL, but..... basing your entire financial stability on a business that is built on unauthorized use of intellectual property you don't own seems like a terrible idea.
It is way easier to sell pop culture art though.
If he was designing anything, I’d feel better, but straight up making trademark products is a great way to get sued
I’m actually confused cuz I see tons of artists selling copyright material. I just bought some 3D printed shit for my wife for Christmas. So do they all fly under the radar? Do they get banned and come back under a different name? They can’t all be in the same predicament as this guy can they
@@TonyCox1351 Some are just more enforced than others. Some creators love people using their characters. Disney, for example, is very harsh on people copying their stuff.
He’d kill it at flea markets and pop ups
I enjoy your guests who are in their 40s 50s and up
Dude, when you finally get the cease and desist letter from Peanuts Corp. It's over. Destroy all your stock. They will succeed in getting a judgment against you if you keep doing it. Building a business on artistic copyright infringement is also destructive behavior.
Caleb, recently beefed up my emergency fund in part because of your videos. Had to call a plumber to my house and got a $1200 bill, but it’s no sweat because we started preparing months ago for something like this! Thanks man! You’re out here really helping people!
Congrats! It's such a overall stress relief to know you have money aside for life just happening, onward and upward from here 😊
It's nice when a repair barely takes 10% from an emergency fund. It'll be replaced before you know it too!
That's hot 🔥
Almost a year ago my pops asked me to start managing his money. We’ve got his emergency fund from 2k to 17k. My pops now has peace of mind knowing he doesn’t live paycheck to paycheck anymore.
Congrats! Such a relief when disaster happens and you have the money and don’t have to use your credit card.
I understand Paul’s thinking by building in contingencies in his budget… but I also understand Caleb’s frustration/passion about the magnitude of his problem. What I would have appreciated from this video would have been a look at timelines with Paul’s budget and comparing them to Caleb’s no nonsense budget, I.e. how long each would take to help him to reach his goals. That realization might have been more impactful for Paul.
I know Caleb speaks of not having a one size fits all budgeting programme but I kinda be comes one size fits most when you don’t take into account humans’ imperfect humanness. In a perfect world people would adhere to a strict budget and easily get their shit together. Paul’s realization of his imperfection and including that in his plan is worth commending.
That’s just my two cents.
Thank you Caleb for this content and your passion towards improving finances not just Americans but worldwide (I’m watching from Barbados) Thanks to your content I am working on getting out of debt and building a fully funded emergency fund.
💯 definitely agree!
I feel like unlike some recent guests, this guy is way more genuine. I think Caleb was being a little harsh with him this time. I'm not sure if tough love is one size fits all, but I do appreciate why Caleb reacts the way he does.
I had the same thought. I love Celeb don’t get me wrong. ❤ but I think he has had to beat the point in with hammers (no pun intended 😅) for his recent guests whose finances were unhinged that he was kinda on ‘attack mode’ from the beginning a little. ❤
I don't think he was being harsh. This guy had excuses on excuses on excuses. You don't improve with that mindset. So you have to break through those persons until they start being honest with themselves
@@vanessabegay5754you heard a excuses? I heard progress. Caleb if anything was to harsh on a guy genuinely trying.
@@MrMunoz-xp2ryall this guy had were excuses.. mental health bla bla
@@bigd2256an excuse is
‘I can’t do XYZ because of XYZ’ not ‘I struggle to do XYZ because of XYZ’. Acknowledging something will be hard is not an excuse, but refusing to do something for XYZ reason is an excuse. All I heard from this guy was him acknowledging his struggles, not flat out saying ‘no I can’t do it because I had ADD’.
I love his bad day fund, i think it demonstrates that he's recognized and is aware of his pitfalls and is able to mitigate impact by putting them in the plan. Instead of, like, not having anything set aside for those moments and then suddenly having a financial meltdown bc he didnt set aside the funds for the smaller "engine checks" (so to speak) beforehand.. He seemed open and receptive to your plan, i don't think he had everything made up in his head at all. I think this guest is the one I have the most hope for (assuming he diversifies away from copyrighted material, otherwise i fear a litigious company may make things much worse), I hope he returns in the future!
For me the bad day fund would incentivize me to spend it
@@ultraboombean interesting! On the opposite end, I'd treat it as a rolling fund, which would kinda have a motivating effect on me bc whatever I don't spend this month would roll over into next month, so I would feel incentived this month to really reconsider my extra "small" purchases (like taquitos), knowing that it could be a bigger amount next month to work with 😄
@@julesc7098great idea! Another way to think about it is an insurance policy. You hope nothing happens but it's there just in case in order to prevent things from getting worse.
@@julesc7098 I'm AuDHD and was thinking the same. I think a good compromise would be to have anything left roll over for say 6 months. At 6 months, the highest possible amount in there would be $600. I'd say "okay, at month 6, you use $350 to pay a debt. You get to choose what to do with anything leftover."
It would encourage not using the fund, and trying to stick to only using it for
This makes me very nervous. I don’t think he understands the severity of copyright infringement.. you may not care but the brands surely will. Especially using snoopy, or anything along the lines of Disney - they will come after you & sue you into the ground whether you’re making $100 or $100,000. If he’s making upwards of $80k+ from profiting off of copyright material that’s grounds for federal charges & jail time.
That’s exactly what I’m thinking. You do NOT want to f around with Disney. They are SO litigious…and like you said, they don’t care how big or small you are. They will ruin your life. He’s playing with fire.
Caleb is so used to dumpster fire budgets and finances, he can't realize this guy has made tremendous progress with everything! Giving him such a hard time about some extra spending that is budgeted. My husband and I got out of $162k debt and had a small line item for random guilt free expenses. Like $50 a paycheck, but still needed for mental health! Sidenote this guy needs to stay away from the trademarks/copyrights, he'll get sued one day instead of banned.
Thanks for the perspective. I was getting irritated with Caleb hounding this guy, but it is likely because Caleb's gotten used to the insanely irresponsible guests. Paul sounds reasonable, and he knows what steps he has to take for lasting change and what allowances he has to make to ensure he doesn't implode from ultra restrictive budgetting.
I wonder tho - if he allowed ppl to have fun money if they would be able to adhere to his plan. With dieting ppl fail when it’s too strict. It may have worked for him (cutting debt) but if ppl are saying that’s too much, it would make sense to see if he could adjust.
@TJrules299 people have asked him about this. His response is" this iswhat I would do' rhere is no law saying they have to follow it. And honestly, if people had the control to only spend 25 or 50 a month on fun, and this was their only expense not following his plan, I think Caleb would be happy at least 90% of the time. The issue is people dont only spend 25 or 50 a month coming out if this show typically, so people just need to take their finances in hand
I personally agree with Caleb's approach of no fun at the start. I do think you should add some fun after you make some major progress but going all in as you start leads to more success than being luke warm generally. I also don't disagree with highly intentional budgeting of fun as well if you are in the mindset to stick to that budget.
EDIT: Also, no fun until you are out of IRS debt is extremely logical.
Well he was constantly refusing to change lol
I have so much appreciation for your guests. I hope they really do know how much their vulnerability has helped many of us.
Blaming ADD for his copyright infringement is fucking wild😂😂😂
Funny moment you made up, that's crazy!
@@zzz_stevehe didnt make it up lmao, he said "i have add so i knew and didnt do anything about it"
@@jaked9538 Nah he said he wanted to diversify. Not "I did copyright because I have ADD".
Other platforms don’t ban you for that. He was trying to say he should have had those in place knowing that Etsy could ban him any minute and he didn’t.
@@zzz_steve nope... 57 seconds in the video. He admitted he ignored the copy infringement risk, due to un managed ADD therefore blaming his violation to ADD.
Hope the guest reads this- dude I was diagnosed 15 years ago and feel like we have similar strengths and weaknesses, your description of your struggles is heard and you’re not alone. I’m also 2 months sober! When Caleb said “what am I supposed to do with that” I was thinking “exactly!” It’s just the way it is with ADHD, we have to put in 50x effort for the same output and I’m proud of you for what you’ve managed to do so far and what you’ll continue to do ❤
Thanks a bunch and I’m proud of you for staying sober. I know I’m not alone and really hope that my example helps others who are struggling with this realize it’s not hopeless.
Wanted to say thank you Caleb. I was making terrible decisions with my 93k salary. Since starting the channel I've created a budget and paid off 26k of my 35k debt. I'm on my way to financial freedom by early next year!
Wow!! This is so impressive! Keep up the good work & hope your retirement is able to come along nicely with that income. 👏
Have u never heard of Dave Ramsey?
I got deep into debt with the 2008 crash, but negotiated my way out with creditors two at a time. Took 5 years but now living in blissfull no debt. It can be done and maintained.
I hadn't unfortunately. @@RosteeveBellier
What's the update?
I haven't seen such a likeable guest in so long! He seems like such a kind person who cares deeply to better understand and improve himself. I hope so many good things for him 😊
I agree I felt bad for him when caleb started grilling him you can tell he is really trying to be better
Wife and I found your channel quite a while back. "Why, why possibly?!?!?!" Has been part of our every day vocabulary ever since.
😂 same
Really liking "what even ARE you?!?" too
Ive been diagnosed ADHD since I was in middle school. It wasnt until my early 20s that i realised how much it actually affects my daily life. So I really feel for this guy. Its really hard to explain ADHD without it sounding like excuses. But, with medication and understanding of it, you can overcome and you can always get back on track! One big push is all it takes
Been diagnosed with Bipolar at 32, a lot of the symptoms are the same (when I am in a mania phase). It's really hard to manage, but I found that having friends in the same situation that can act as a soundboard helps (like an AA meeting).
Exactly.. it IS hard to explain if someone isn't directly around it. It is even difficult for those WITH ADHD to grasp it's impact.
It can be real upsetting when we're accussed of FAKING it. No doubt there are SOME that do.. but they make no acception for those who struggle with the actual condition.
There's a lot of ignorance out there on the topic.
Out of curiosity. Do you think the reason the symptoms are more obvious now is because in school it was regimented more? I feel like that is why mine is worse now at 26.
I think it affects you more in adulthood almost bc there’s no more parents or teachers keeping you on track. It’s just like out the door you go, good luck. You have to structure your own life, etc.
@@brittnay279 Right on the money. I went to the army for two years, met a couple soldiers with ADHD. Since they didn't have any responsibilities it didn't affect them at all.
I REALLY LIKE THIS GUY!!! I think he is very intelligent. I can definitely relate with him. You can tell this guy has so much energy and drive, just needs to learn to focus it. I wish him the best!!! I hope he continues this journey to wellness.
Thanks a bunch! I’m sad that I didn’t know this 20 years ago but am excited to have this information now and finally start building a better life!
I always love to see financial audits with more established guests because it can teach valuable lessons on what can happen if you don't get your finances together
👏
Same!
Yea I hate the ones where there like 20
@alexkrumrai924 oh my gosh I can't stand those. Maybe it's super great for that age range audience, so I get that, but I think a lot of people were so dumb in their early 20s. Not everyone, but a lot.
This
Paul your on the track to change your finances and help others that struggle in your situation. Stay positive, stay motivated, stay focused. Keep up the great work on the art you make. Love the taquito art you gave as a gift. To have Caleb instantly want to buy a sign from you just shows how talented you are. Rooting for you man, you got this!
I am debt free as of 14 seconds ago. Happy thanksgiving y'all
Amazing !!! ❤❤❤ stay debt free! Once I got there… I started spending - then YT served me Caleb! Now into saving/investing… no taquitos!
This guy is amazing, he’s super self aware and I think he genuinely will make it to where he wants to be.
He’s motivated, sets himself the buffer he needs. Intense isn’t going to work for him, but he is finding a way that makes it work.
Looking forward to a follow up episode.
Thanks, just trying to get better at day at a time and hopefully this will help others that are struggling with ADHD!
This guy has a lot of awareness of ADHD and it's really good to see his approach to moving forward - he's learned what works for him, what the challenges of ADHD etc. are.
I really wish a lot more autistic/ADHD (a lot of them sadly undiagnosed) were able to educate themselves on the subject, because it's so important to allow people to take back control.
What does education on adhd or autism really do ?
@@truebengalsfan seriously? It can allow people to completely change how they're living their lives for the better.
Not being aware that your brain and body works differently means you're on autopilot, which often leads to burnout, breakdowns of jobs/relationships, debt, poor health etc.
I'm 38 and recently managed to stick to a fitness routine for the first time in my life - I was only able to do that because I know these days what works for my brain and body.
No I believe unfortunately u have to tough it out and push through just like anyone else especially as a man . Society does not care about your mental health issues as a person and especially as a man society will not accommodate to you . Many people come on this show and try to use mental health as an excuse for everything like they will get a get out of jail free card
Paul - thank you for putting yourself out there and coming on the show! It’s helpful seeing someone adjust their system to make it work with their issues rather than trying be so hard on yourself. With ADHD, it’s definitely important to adjust your environment and not ONLY blame yourself. Yes, we can understand that we are responsible for our behaviors, but also understanding that we can adjust things to make it a bit easier on ourselves is also important. I wish you all the luck and know that you can do it!!! 😊
As someone who has severe ADD this man is doing awesome! Im so proud for him, he is doing so well. The bad day fund is brilliant. I completely understand the failure thing. Its definitely a handicap. It was sad to see calebs lack of understanding on this issue. But overall my favorite episode.
Caleb is trying to help you with your finances. He can't help you with other things like ADD. So don't expect him to stop doing his job. You have the wrong expectations.
@Ferdinand208 expections! I expect him to be more understanding if he claims In all his videos he cares about metal health I dont like how keeps brushing his small accomplishments under the rug when it so clearly means a lot to him you can't tell me out of everyone this guy is genuinely is trying. Im mad I can relate because I don't like being a victim but this episode made me realize I have to address a lot of things myself.
I disagree I have ADHD among other things and I feel like if I made a fund like this with how impulsive I can be I would fail. If I’m feeling depressed or having a bad day I’m going to spend that in a heart beat. Something I struggle with is structure and once I start slipping then it’s out the window. Everyone is different but if I was in his shoes I would want Caleb to call me on my bs and hold me accountable for my own actions. I also don’t think of it as a handicap, my brain is just different and I navigate things differently. No hate just trying to show you there are different perspectives :)
I also have severe ADHD and finances are are HUGE source of stress for me. I feel like a complete victim at times, while beating myself bc I can’t “get it together” but anytime I’ve asked for help, I feel like I put the person helping in a bad spot bc it’s such an impossible situation. I’ve worked myself into a mess and its super embarrassing bc now my husband has dementia and my 4 kids are old enough to realize I’m always saying no bc we are so broke. The way it eats at me makes it so hard to do anything except spend when I have it. I pay the bills, say yes to little things the kids ask for, buy what we need at the moment, then run out of money by the 10th of every single month.
@@mastercheetosquad4101The issue is this is tough love on finances. Not “understanding” the banks will give zero sh**s about your mental health. It’s why behavioural therapists and clinical psychologists exist. They’ll help you deal with your day to day mental health with plans etc. this Caleb guy is here strictly for financials. Do this, don’t do that if you don’t want to be up to your eyes in debt and want financial success.
I relate to this guy so much. Having a small “personal spending” category in my budget akin to his bad day category is the only thing that allowed me to pay off all my consumer debt this year.
I definitely agree. Spending every cent on paying back debt is definitely ideal but I think for many it’s not realistic especially for longer stretches of time.
Yep, I cant do regimented budgets. I give myself plenty room for “free spending” outside of debt payoff and fixed expenses and I’ve been able to make it work. Still paid off 10K of debt this year!
We always called it “blow money” that you can blow on whatever, could be a monthly Starbucks/taquitos in the beginning or something more extravagant once you’re debt free
Yes! I was getting frustrated with Caleb when he kept dismissing this as him making excuses and avoiding accountability. He was doing what works for him. I am the same way. If I mess up it can lead to days/weeks/months off the wagon. I wanted to say to Caleb, "ok next time you're having a panic attack I'll tell you to calm down, that your anxiety is an excuse." I'm a big fan of Caleb but this episode really bugged me. As an ADHD person undiagnosed until her forties I am trying to work through the decades of shame that I have felt for not being able to do things the "right" way.
Yes, I really related to this guy also! Being an independent contractor and having my income go from amazing to iffy, then with inflation my rent doubling these past few years I have done something similar. It helped tracking spending for 2 months but also seeing my expenses go down, was able to get an affordable rent bc I moved into a garage apartment. It is so easy to criticize and be judgemental, but he is doing really good and should be congratulated on the hard baby steps he is accomplishing at this moment to get out of the dreadful debt hole. I would focus on the IRS first. After I quit and did my side hustle it was painful doing taxes with my business and owed a lot of money, but now I can write off many expenses so my tax bills are the least of my concerns :).
He just shouldn’t be a business owner IMO. Copyright infringement, unpaid taxes, no sales. He’ll be lucky if he doesn’t get sued soon. I wish the best for him, but DAMN.
This is a really easy guy to root for. Really hope he gets it all together. Seems like such a genuine and nice guy and looks like he does some amazing work. And really, he seems like he’s on track to getting this all sorted out already. Hopefully the progress continues and he can become even more safe and secure in the near future. Prayers to Paul! You can do it man! And absolutely love the work you do!
I agree. He is a good dude. With some direction he is going to do great.
Thanks a bunch, just trying to get a little better every day and make some cool stuff along the way!
Wish him the best, but saying he is “genuine” when he makes his income from infringing on other people’s intellectual property is ridiculous.
unmanaged ADD does not mean its ok to sell copyrighted/trademarked materials, please do yourself a favor and come up with your own stuff before you get sued for everything you have ( even if its not much).
Nailed it!
I really like Paul. Kudos to him talking about his experiences and ADD. He is such a relatable person as its so easy for someone like myself on the spectrum and structure/routine needs to be followed. I hope this episode gets tons of views, likes. Paul we are all giving you a virtual hug and rooting for you in the journey to FI.
Hearing Paul discuss his ADD/ADHD symptoms and being untreated for so long hit SOOOOOO close to home for me. My entire life was so structured up until graduating college, and my mental health just completely fell apart because I suddenly didn't have any obligations besides doing the bare minimum for my dead end job. Everything he said about executive disfunction, lack of time management, planning, etc. etc. omg it just hit my heart so hard because I TOTALLY understand where he's coming from. Retail therapy was and still is a BIG copium for me that I'm trying to manage on top of paying down debt, building savings, etc.
I appreciate so much that he opened up about those things because it really made me feel like my personal experiences with ADHD are not as unheard of as I thought. I'm still working to find some kind of structure again, and I really hope Paul and I and anyone else struggling with this journey all find it.
I'm surprised they skipped over the rather blatant copyright infringement.
Guy is going to end up getting sued for all he’s worth. Disney does not play.
He's tackling a lot all in one year. He's aware and trying. Moving forward I hope he continues to follow through! And compared to other self-employed people on this show he's already has a CPA helping him. Most CPAs do take time off between Nov-Dec. lol
Thanks a bunch! It has definitely been a hard year but I thankfully had a lot of good habits and systems in place before everything fell apart. Now they’re coming back quickly and I’m able to make more meaningful and sustainable change now that I’ve got the right support and structures in place.
"it's a handicap, not an excuse" was a great line and I hope it's ok but I'm stealing that to use myself. Huge respect for this guy, I'm sorry Caleb but there were aspects here where I felt you just didn't understand that side of ADD but respect for trying all the same
Caleb needs to work on recognizing when he’s not fully versed in an area that requires sensitivity like ADHD and mental illness.
Not suggesting that it’s a justified excuse for poor financial habits but recognizing why one handles it a certain way - ESPECIALLY when struggling with handicaps like that - is much better for long term success than simply always on yell mode.
It's okay to steal and use it yourself because he does not believe in respecting the intellectual property of others. That is how he got the boot from Etsy.
I've commented before about how important proper awareness of ADHD/autism (and how they contribute to debt in various ways) is super important.
Honestly, practically every 'reality' based series on TH-cam should get more clued up about neurodiversity - I see shows about catfishing etc. where the hosts seem to have no idea how many of their guests are clearly autistic and/or ADHD.
I had a social studies teacher who said "You are not responsible for having an illness. You are responsible for seeking treatment."
Having been an Etsy seller, it's a very saturated market for anyone to get in right now unless you have a very unique product. Not surprised he got banned though because they do not mess around with IP infringement. Glad he is acknowledging that though.
Yeah for sure
What category or what item do you sell?
@@imwhatyouyoucallaballsack6205Sounded like Snoopy art from Peanuts.
As someone who has previously dealt with nearly three decades of unmanaged ADHD, I truly believe what he’s saying about that being the root cause of his behavior even if it’s not an excuse.
The REAL question is how he processes this advice and what he does next. I’m hopeful but he’ll need to change decades of destructive habits to do so (drinking is just about the worst thing for ADHD) and that will not be easy to do.
Yeah, the impusivity doesn't really jive with making good choices :P
I really actually feel for this guy and it’s the first time I’ve felt like the excuse is real and I can tell he’s actually trying and I am really rooting for him honestly
Over diagnosed; most cases are just lack of self-control.
@@tdgdbs1 do you have a source to support that claim?
@@tdgdbs1 It's ok to just say "I don't understand how this diagnosis affects people". 👍🏻
Really respect some of the stuff said around the eating out budget and managing that with ADD. ADD is oftentimes all about building healthy routines and fighting to maintain them. Quitting eating out overnight is just not possible but taking 50-100 out of the budget a month is a great way to build the habit of cooking up slowly
I feel like he understands his disorder very well. I struggle with ADHD and there is a system for EVERYTHING. You have to create these seemingly elaborate systems to get through normal life that other people don’t need. How he is doing his budget is exactly how I do it-strictly budget, but allow room to “mess up.” If I don’t build in a bit of room to “screw up” I will completely give up on the budget altogether. It might seem like he is making excuses to folks how don’t have AHDH, but there is so much guilt involved in having ADHD, you feel like you have to work so hard just to function normally, and every time you mess up it’s just another reason you suck bc you aren’t normal, so you may as well give up altogether. Building in guilt-free “screw ups” is like giving yourself permission to not suck. I’ve spent the last year on a mission to get debt free (I will be in 2 weeks!!), and after so many years of trying to budget out of my debt, using a system just like what he is doing is what finally worked!
Dude I swear us adhd brains are exactly the same. I run my own business and what you describe is EXACTLY how I feel in regards to my workload allocation / scheduling…
Thanks a bunch and I’m glad it’s working out so well for you. A big reason for coming on here was to show others who are struggling with this some tips and strategies that work for me so hopefully they can get a budget to work for them!
Just starting the video, but I always get bad vibes when "small business" people are going off revenue, and not profit.
Thankful for Caleb & this channel continuing to inspire everyone to fix up their finances and budget NOW before it’s too late 😭🙏
I really love this episode. This guy clearly has a deep understanding of how his ADD affects him and he is strong when advocating for himself and his needs even when Caleb was pushing back pretty hard. “It’s a handicap, not an excuse.” is a brilliant quote and is something that people with adhd should feel more comfortable saying.
Yeah as somebody who has ADHD, could get medicated today for it if I wanted, saying ADHD or ADD is a handicap is pathetic. These are the opinions of a 12-year-old child making excuses for not doing their homework, not of a grown human being with any semblance of responsibility. And the fact that society at large allows people to express opinions in this fashion is insanity.
Reminding everyone to not go broke for the holidays just because it's BLACK FRIDAY SALES don't just buy crap you wouldn't have otherwise bought.
Good thing all the deals suck anyway lol! Amazon jacks up the prices THEN discounts it. I keep seeing posts on social media for their Black Friday “deals” and I’m just thinking to myself that’s the same or close to the same price it’s been all year 🙄
i’ve gone from $14k credit card debt to under $7k since watching your videos.. all credit cards are gone. thankful for your content and what’s its gotten me through in 2023.. losing my job, milking savings and starting a new career while still trying to budget and pay off debt has been wild. Challenging my self to buy the program tomorrow and next November sign up to be a guest to show you the impact you have made financially in my life.
Great work. You can do this!
This was another great episode...only disappointment was that you didnt plug the LED creation in! I would have loved to see how it looked lit up! Thank you caleb for all your hardwork!
Agreed. I really wanted to see it plugged in.
Same!
1:15 I like that for him the “issue” he needed to diversify away from wasn’t the copyright, but the place he was selling it on 😂
RIGHT??😂😂 Get some actual talent and skills and make your own artwork to sell!! Infuriating!!!
Right. And then when he brings something to the studio it’s more copyrighted art. Duh!!!🙄
oh no the intellectual property 😮
My heart.. my husband struggles with very much the same issues. He would struggle similarly. I know that many people here would look at him and blame the crutch of ADD. But I am married to someone with this similar disorder and a son who has it as well. The struggle is SO real. It is never intentional but when your brain literally derails your goals and priorities, it is so disappointing. He is right that it is a constant failure because their brains work against them. So proud of him for continuing to show up and try! You got this man!
I hope this guy turns it around. Being in his 40’s, times ticking to make changes quick. You blink and he’ll be in his 50’s. He’s got to be 100% committed to get debt free and build his retirement/future. Having a business mentor to gain some business acumen might help too. Great video. Thanks for sharing.
I knew copyright would be an issue but I'll gladly lean on my ADD as an excuse to continue selling other peoples' art
Yeaahh, as both an artist and Etsy seller, it hard core irks me to see all the art theft. If you didn’t drawing it yourself(or commission it with permission to sell), DONT F-CKING SELL IT. Infuriating that he made 60-80 grand off other people’s art and copyrighted characters. Unless I missed something where he says he does his own art? I don’t think I’m mistaken.
Can't believe he doesnt even conceive he is doing something wrong and immoral 🙄
Caleb! You rock, my dude. Your work is outstanding.
I very much support his “bad day fund” he’s using it as a break glass in case of emergency to manipulate himself.
He can only break that glass once per month, so he’ll be more cautious about whether this bad day is worth it.
Think of it like potions in a game. Sure using them may help you in this boss fight, but what happens if you use it now and the next fight is harder.
In a rush rn so i hope that made sense
Happy early Thanksgiving! I think we here are all thankful for you Caleb!
I’m thankful for YOU
🙏🏾
Thank you Caleb! I live for these episodes as I’m on my journey to being credit card and debt free by June 2024! 🎉
Love that!
Best of luck to ya!
Ooh. June 2024 same for me!
Great work… I’m on the same path.. I will be August 2024 👍🏼 we can do this!!!!!!
How'd you do, bkjauregui07?
Enjoy your thanksgiving, Caleb!!
Your videos encouraged me to go over the last few years of my credit card statements and have a hard look at what I'm doing and start making a plan for myself.
Happy to say that when I'm tempted to impulse buy, Caleb screams in the back of my head
Credit card debt free before 2024!
Congrats!!
DO IT
Well done, Abigail! I just cleared my debts for the first time in 14 years this month!
Strong work 💪🏻 we’ve knocked out a card that had a ten thousand dollar balance- this will be the first year that Christmas didn’t go on the credit card. Feels amazing!
@@abigailbacon1794congrats! Big win!
The THING with adhd is... it exhausts you. Trying to stay on track is a constant struggle that leaves one with little left at the end of the day. What HELPED me somewhat was finally understanding that everyone WASN'T struggling like me. I became a tad kinder to myself.
Some people sadly still don't Get It. They believe that 'TRYING Harder' will fix everything... it doesn't. It's like saying... Try Harder to change your green eyes to brown. It's how we're hard wired.
I find it does get better as I age. I’m 62 now and my routines are ingrained and helpful.
I feel like Caleb is going to have a small print add on soon that says “if you have been diagnosed with anything by a professional do not sign up for this show because I need to yell at you and not feel bad about it” and I don’t blame him
Caleb's goal is to help people so I don't think he'd want to discriminate like that
Victim Olympics.
The "new normal" 😂
@@amp2193Mental health is real Boomer
@@CountingStars333 go cry to your therapist about it
That you'll see forever for some reason.
Don't forget to buy your meds too! Ya weak ass alphabets 🤣
@@CountingStars333 Mental health is 100% real, using it as an excuse to justify every single bad habit and fault within your life is not. This dude literally used ADD to justify his copyright infringement business like two minutes into the video. Get a grip.
probably my favourite guest ever. I don't have a similar handicap but definitely relating to the problems of focus and structure. Such a thoughtful dude. We all get into problems. You got this man!!
Bought the master your money course yesterday and now am set up to tackle this….thankful for you Caleb!!!
Watching this financial audit felt like a peek into an ADHD brain. I had a hard time following.
This has got to be one of the best episodes . I love that you can now advertise your own stuff! Might get it as a gift for my bro
Positive net worth with no debt at 25, thank you Caleb!
11:03 excellent pivot Caleb, Im incredibly happy this guy has taken the choice to go sober and has made great progress but lets get it on!
Im hoping this guy is on the upswing and youre here to give another boost
Usually he's so concerned with people's personal stuff but it seems like the dude's tangent went a bit to long
@Paisa1220 I'm expecting some massive debt bombs that caleb has browsed through and he knows he needs to get to the worst of it.
Yes! The past few episodes he’s allowed the tangents to go too far and to get too far away from the financial issues, effectively allowing the pity party to continue.
I can't believe his family and friends loaned him 30k...I feel guilty asking to borrow power tools for a weekend
I'm very blessed to have such a wonderful support network and am working to pay them back as fast as I can.
As someone who has severe ADHD I relate to this man a lot. The impulse issues have been an issue for me as well. Now I have a much better hold on that spending, and I never really eat out anymore.
Glad to hear it and hope you can continue to make it work buddy!
Love seeing a new episode!!!
Wooo!!!
I’m 55 and semi-retired with IRA sitting in cash, but not impressed with growth so far. How can I take advantage of the current market to make gross profits and retire comfortably rich? Heard of folks that turned millionaires in shaky times like this.
depends how much is 'comfortably rich' if you pinpoint a particular amount to retire with, then it's ideal to plan with a trusted advisor
Agreed, investing is plain-sailing with the help of a reputable advisor, and at first-hand experience, I've seen my investment portfolio of initial $500k yield into a 7 figure amount in a space of 2 years. I and my advisor intend reallocating into gold, recalling the 1929 crash.
I've shuffled through a few advisors in the past, but settled with ''Theresa Leigh Detrick'', she's well-qualified and very easy to work with, luckily her profile is widely visible on the internet.
thanks for putting this out... just came across the consulting page of Theresa Leigh Detrick immediately after inputting her full name on my browser, and I was able to schedule a call with her, she seems very proficient in portfolio management
Okay everyone, chill out on the scammy recommendations, here.
Financial advisors aren't magic; they don't consistently beat the market. Buy a low fee, diversified 3 fund portfolio (or just an all-in-one target fund like VFIFX) and don't make things complicated.
Oh yeah, and stay far away from gold. It has terrible long-term returns.
Right off the bat he’s self employed, he better not admit to tax evasion
He's already admitted to stealing art that isn't his for his business.
I am 5 minutes in and getting angry.
Give it a few more minutes lol
That's a bunch of bull about why he didn't give you his business checking account docs. I'm a CPA, and there's no restrictions about not providing them to you.
This Chanel is so great because not only is it financial advice. But it shows how much people struggle on a human level. We’re not meant to be robots and work our whole lives to barely get through. I have terrible anxiety and have lost jobs because I used alcohol to cope with it. It’s a lot of mental health issues out there, and that’s the bigger picture here. Hope everyone had a great thanksgiving. Keep up the great vids Caleb.
ADD as a justification for stealing copyrighted materials is something I've never heard before. Not sure if is an accepted symptom.
He wasn’t excusing the copywriting he was excusing not diversifying where his art is so when he got shut down all his money shot down
@@slickricksettles But it stands to reason that he would still be selling IP-infringing art on other platforms had he diversified. If he sold the same art, he would still be infringing, but maybe other platforms wouldn't have cared as much as Etsy does.
Dude nobody actually cares about copyright infringement and if you do then you’re miserable. He’s working taking care of himself which is what’s important.
@@quandale3311I don’t think you understand the severity of copyright infringement.. you may not care but the brands surely will. Especially using snoopy, or anything along the lines of Disney - they will come after you & sue you into the ground whether you’re making $100 or $100,000. If he’s making upwards of $80k+ from profiting off of copyright material that’s grounds for federal charges & prison time.
@@quandale3311 Every artist cares about copyright infringement if they do or plan to make any amount of money off their art. Every photographer, author, illustrator, etc. that I personally know takes copyright extremely seriously. Without copyright law there is no little creator that makes it, because every mega corporation could just copy and out-distribute whatever the little creator comes up with.
I started listening to Caleb about three months ago and I have just paid off one major credit cards and working to pay off my second and will finally will be credit card debt free so thank you Caleb ! ❤
love the consistency! just like taxes
Yikes lol
Caleb!! ❤ thank you! I'm in the same boat as many of these people that come on your show....but let me tell you. When you start ranting off of the statements, STARBUCKS, TAQUITOS, UBEREATS, ULTA, etc.....its a stab in my heart because there's nowhere to hide....that has been me in the past! Instant gratification, consumerism fueled by social media, wanting our kids to have everything and anything they desire.... working on it, and that budgeting tool of yours is gonna help me get there. I really appreciate all the work you guys put into these episodes. 🎉 Happy Thanksgiving and God bless!
I have ADD as well, have no problem following a proper budget and saving money while being on top of my career.
It can get tough some days but medication or not it requires CONSTANT effort to work with.
As someone who is married to a person with really bad ADHD as well, I understand what he’s talking about around the 59:30 mark. My husband has to have almost little fail safes planned out to keep him from losing momentum. It has taken me a few years to really understand because I would think of it like Caleb in a sense of not wanting to just do the damn thing, but it’s not them not wanting to do the thing, it’s quite literally just how their brain kind of operates so they can do the thing more successfully. To someone like Caleb and myself it sounds like they’re giving up before they try, but it’s not that at all. I think he sounded really receptive to Calebs help and I do think (and hope) that we will see some great progress in an update episode down the road.
Thanks a bunch! I was really hoping that my example and explanation of what ADHD is would help others avoid the same mistakes I did. I hope some of the strategies and tools I’ve been using will help others build and maintain their own budget and get to a better place in the long run.
We are all rooting for this man! I am so proud of him for working through his struggles, owning them, and moving forward.
I think this took the cake for my favorite episode! This man has done a great job so far and I am excited to see how far he goes! Props to him.
This man needs to get a regular, structured job. Then he could focus on the other aspects of his life and not give any energy/time/energy to his self employment. A regular, structured job would allow him to be and feel successful without as much drama.
Am I understanding he’s still using copyrighted materials even after getting kicked off Etsy for this? Maybe I’m confused …?
Oh you’re not confused. He got busted on Etsy, and is continuing his business on other platforms. The fact that he’s advertising on Google is terrifying. He’s going to end up getting sued for everything he’s worth….especially with Disney. They are not to be f’d with.
Hi I have ADHD and I’ve not taken medication since I was 10. I save money have a good job do my taxes and I really don’t like the way this guy uses the mental disability as a crutch. I remember telling my 8th grade history teacher “just to let you know I have adhd” and the first thing he said to me was “ I know you do but don’t let it be an excuse for all your failures” and that really resonated with me because it gave me a sense of control and confidence. Thanks Mr. Gay if you’re still alive I wouldn’t be in the position I am now. Btw I failed the 8th grade that year just to add some context.
Wish nothing but the best for this guy! Great episode!
Is he openly admitting to stealing IP?
Hey bro... you can't do that...
Can't do this one. Simple questions answered with hundreds of words. Good luck sir.
I'm really rooting for this guy and hope he does really well!!
Took me about 3 years to get out of the 27k debt I was in and to build a 1 year emergency fund. Now I budget, invest 10%, and save 80% of whats left after that for a house down payment while spending the other 20% that’s left on bs/taquitos. It’s worth it everyone… I’m 27 and I’m finally in a spot where I’m looking forward to the future. It’s crazy how free you feel after not having debt anymore but don’t realize how free you are prior to going into debts.
While I sympathize, I've seen way to many people these days use the "I have ADD/ADHD" or the "I was off my meds" excuse.
Knew a young man, who would constantly drop the ball or miss critical deadlines and this was always his excuse "I have ADHD."
It eventually became apparent that he was just going to laugh off ANY mistake or error he made with the same, old excuse.
You've got to take charge of your life buddy. The REAL world, especially the IRS, does not care about your condition or excuses.
You clearly do not understand ADHD. It's not as simple as "taking charge of your life" when you have ADHD. Would you tell someone who is paraplegic to "just get up and walk, buddy"? No, you would not.
Thank you for all you do Caleb! You’ve made me more confident and knowledgeable about my financial life. Got my emergency fund, set up for retirement, now time to tackle student loans! Have a great holiday- you deserve it!! ❤
I just got back from a 3 week rotational working 70 hours a week. I binged the entirety of this series during that trip
I'm glad I'm not in the worst financial situation, but this gave me some perspective and ideas of things to do differently. Starting with a real budget,,,, and rolling back my plan to buy a newer car, better to keep repairing rusty old faithful and remain debt free
I'm very grateful to everyone willing to put their situation on display to help others learn and grow 💗
Great guest. Great episode. Cheers
Caleb, how many episodes did you film this day? Lol you’re so tired. This guy is a true fan, understands his shortcomings, admits his faults and is open to doing better. A dream!
Copyright infringement is still illegal regardless of what platform you do it on, and if he was banned from etsy that means the IP holder reported him and is aware. I think it should be noted that all of his income is illegal and he is at risk of being sued for every penny he has ever made selling charlie brown merch and he would lose in court because what he is doing is a crime...
As someone with ADHD, i learned, like this guy, that I have to budget differently than a normal person. Theres this term in our community called the "ADHD tax". Money lost to ADHD. Its an inevitable part of life. We lose shit, forget shit, have impulse control issues. I took out private student loans because of the "ADHD tax" (missing FAFSA deadline). Very expensive ADHD tax... Best advice I ever got was to pay the ADHD tax up front. Basically, pay for anything that will keep you from spending more later. For example, chargers for every area you use a charger instead of paying over and over for lost chargers (which at one point was almost a monthly expense for me...). In this case, I think a fund for the impulse spending is a great idea. I found i will be good for weeks or months and then there will be one day where my shopping will go crazy and suddenly i am panicking because I just spent hundreds of dollars in the span of a few hours. I found that the longer i go doing "good", the more I have likely spent as well. In this case, separate spending set aside for that seems like a great idea. It can serve as a stopping point in a way and keep you from spending as much as you would. Personally, I pay myself an allowance on a separate card to give myself a stopping point to this spending. I am trying to reduce this and build money saving habits, but I just know based off of previous experiences that budgeting for it is best for me
I so get it, I am a Huberman fan and watching that alcohol video really helped me realize that it greatly impacts my life and I do not consume. I posted the video on my FB to share with friends/family. Glad this man is getting the support he needs. Pull the free credit reports every so many months from the different companies to catch/fix things. Since I know many dealing with ADD this guy is so spot on for some people. I think a support group to check in will help him with accountability. I am surprised the anxiety caused by preparing for this show let him get any documents ready for the show. I hope he checks the comments and knows how much we are all pulling for him. Outright buy a phone, not the latest model, there are thousands on the secondary market.
I’m so glad I found this channel when I did before I got any major debts it completely changed the way I look at money thanks Caleb
Just wanna say I always hear ur voice when I’m at the store so thank you for keeping me on track!
Not suprised he made that much on etsy stealing , when i had a business i made original products and got no where but the people stealing and price gougung were making bank and talking like they were entrepreneurs 😂 glad he got ahut down persnally