Arrogant Freak Thinks He Knows More About Money Than Me | Financial Audit

[@CalebHammer]

▶This dude keeps falling into PUMP AND DUMP scams and I completely expose him in today's post-show, watch here: kzbin.info/door/Le_q9axMaeTbjN0hy1Z9xAjoin ▶Bundle my budgeting, debt + investing program for *15%* *off* : calebhammer.com/classpack/ BIG THANKS TO OUR HAMMER VIP MEMBERS FOR SUPPORTING THIS CHANNEL: Marcie Woodley,hashley,Tech Guy,Sharon Santiago,Georgie B,Haden Powers,Rosbel Jr Gutierrez,Dan Cogan,Khoa Nguyen,Caitlyn Booker,Greenie,Amy LaLinda,Andrew C,Jhonathan Rodriguez,Emilio,Tylinann,Keelah Mitchell,Braymen,TheRadTrav,Anthony Kasawdish,Corey Johnson random adventures,Driftless Wisco,Country Crypto,sangybr,Yenny,Amber Hamilton,Bradley Dalton,GIGN - Gig In Great North,Marcos,Kilroy was here,Emma Thomas,Gooch,Abigail “Frogtism” Bailey,TherealMVP,Turtle _Dude,Dawson Yandle,Derekj14221,Mr Ghost,Dakka Dame,Sonia Beam,Blerice,Waluigi,Will Fisher,Fordy 4090,reyuho,Brian Nunez,Sarah Champion,Dr. Fajingler (C. Jack),kimmy917429,Joel Sanchez,Tony Wolanske,Maca0317,Vince Carter,Shawn C,JKarot2,Mando Gonzalez,Carly Needham,Carly Hays,xAmtrakx,aeeiieoo,Apollo,Shy,Sarah,Kelsey Zettler,King Yeetles,StereotypicalSalamiBun,Grant Oster,Budget With Carly,Guy,Nina B.,Gary Edmond,Tommy Sheehan,George Williams Jr,Stephanie West,Kip McCandless-Fuyuki,Beka Plays,Hailey Geller-Zawisha,JohnPeter Stravinski,mitlover,Diego 17_21,Victoria Komar,WMShearer,Khalid Merene,Eric lozano,The Analytical Menace,holly wade,Adelyna_TV,Aaron Stelter,Jasoleia El Omari,Samantha Harms,Fernando P.,ItsNot_Aqua,Michael Plummer,Evan Nekuda,Tonvisage,AZRG,Cecilia Atkinson,Catwithsocks,Daedae,Gabe Arreguin,Bethany Zittrer,Camo1691,Adrian C,Geddy Samuels,Yazz,Tiedra,Erin Nicole,Dawn Sharp,Luca Diaz (Luryon),Trick Shot,John Doe,Kayne M,Margaret,CamdenLifts,Betty C,Hipnotic Jinx,Channel 19,Andrew “Andy” McCanna,Julian Ellison,HerValk,Anuj Panday,Michelle Selena Munoz,Shell Bell,Adriana Sanchez,SSD Executor,Zachary Russell,Chloe,Redmel9,Saucy

[@superkawaii8315]

@@CalebHammer no surprise this fruity guy is into pumping and dumping

[@superkawaii8315]

@@CalebHammer GOONED

[@caydensfunblogs2871]

What is your thoughts on debt resolution attorneys?

[@mcnamaraky]

@@CalebHammer did he ask you to put funds for these pump and dumps into his budget, the same way that chick asked you to budget her vacations when she was in debt up to her eyeballs?

[@YCajdi83]

This guy doesn’t seem to understand that any American citizen and green card holder has to pay federal taxes in the US *and* the country they live in. Depending on his state, he’ll also need to pay state taxes. You don’t just get to stop paying taxes to the US because you leave the country.

[@GlisteningGoblin]

Caleb is so beaten down he's happy that somebody pays their taxes

[@dallen3000]

The gravity of that statement just hit me

[@Fierriel]

I love that CJs reaction had a hint of skepticism, of course, why would I not pay my taxes.

[@aang6421]

Feels good to see that the habits people have for stuff like this guy + Disney trips + vacations is not realistic. Know a nurse from college travelinging at least once a month.

[@Atlas018]

Yeah I think he should've given the guy a high five.

[@fatcatontario]

I also happy to see someone pay their taxes (I personally know people who havent paid in 10+ years) for a change since I am literally the first to file at the end of January and yet I get slammed with IRS collection letters due to their data errors....😂

[@AlexPrime86]

We got Temu Elton John, this is gonna be a wild one

[@dysurvives]

Literally had the same thought on looking like Elton John before he even started talking. 😂

[@F08OWP]

Damn. 😂😂😂

[@RoxieParadox]

I was just about to say the same thing 😂😂 He is 100% Temu Elton John 🤣

[@alenjenon2011]

Nah, this is Elton John you found after sitting in a landfill for 10 years.

[@Mileslouie]

Who

[@mr_num_numz]

Caleb, it's ok to have normal people on your show.

[@Sujerina]

*algorithm* : "hii"

[@hillarylachman7032]

they're not as entertaining lol

[@NotYomama13]

normal people don't expose their poor financing skills to the world 😂

[@Leahaderoju]

I think Caleb is soo in deep he doesn’t know what “normal people” look like or sound like 😂😂

[@justme1195]

This is the new normal 🤠

[@Dheeidjdndbd]

Imagine being 100k in credit card debt from clothes shopping and this is your outfit.

[@medic1937]

I thought the same thing.

[@tylerkinley268]

At least the salespeople can see the easy mark enter the store.

[@Itsisaacdhx]

my thoughts exactly

[@oscarferrari308]

💀

[@namenamenamename7224]

He’s literally a walking red flag.

[@Jaciekakes]

At least he had the decency to advertise clearly that he's a walking red flag 🚩

[@franciscolaurean8550]

Dang, I was gonna say something like that lol

[@queentrinicorn9441]

Sheeeeeesh. Self-report. 😮

[@imageisn0thing]

😂😂😂

[@someperson2730]

😂😂😂😂😂brilliant🎉

[@NotYomama13]

say what you want, homie has swag...

[@Eviepossible]

"You don't have to be cute and funny, this is your LIFE," is actually a very caring and profound thing to say.

[@nataleo9093]

His character was really cringey...it is tough love to point that out

[@pensandshakers]

Cute doesn't last and funny is only fun when it's balanced. It's hard to hear, but everyone needs to realize it.

[@glaceon666]

$1500 to look like you got a whole outfit at party city is CRAZY work

[@verjiggawich]

omg. ahahahaha

[@mrs.h4604]

I have those same glasses, they were 1,000 won at Daiso😂😂

[@superkawaii8315]

I have never seen $1500 worth of luxuries used so poorly 😭

[@basilman121]

More money than I spend on clothing over 8 years 😂

[@godfathaofyo]

i was gonna say, my wife got my daughter those same glasses for $1 from target

[@toddw.8277]

I am happy to make the world believe I am broke and secretly be secure. Pretending to be rich and privately being poor is much less satisfying!

[@thatredheadgirl85]

that explains almost everyone who lives in Northern Virginia.. smh 😂

[@Itslilyvandermolen]

I see you plugging the library and I’m begging you to do it more! It’s astounding how much money the average American could save if they utilized their library more often!! Use it for audiobooks, movies, music, some libraries will allow you to check out things like Roku sticks and tools and vinyls and games. Sincerely, someone that listens to this show while working their library job

[@tiffbecks1190]

I use Libby and Hoopla through my library and listen to close to 20 audio books a year! All for free!

[@robertmatthews2154]

For real, we're already paying for it

[@OrionsFannypack]

My library has a 3D printer, embroidery machine, museum passes, and a seed bank. I love it.

[@11pollywog]

My bf went to the library today because they have a booth for passport photos. I'll copy and paste his text to me here because I think you'll enjoy it: "The library is so amazing. The people are helpful, great services are cheap, they cut my photos for me, there was a grown man being taught how to read. That's what I want my taxes to go towards"

[@caitlinamburn2798]

Libby and Hoopla are the best! I also LOVE my local libraries!!!!!

[@HealthyLifeCurrent]

The way my JAW dropped when he said he took out a loan to fund his Emergency fund 😲

[@turtleanton6539]

My jag dropped when someone on here quite possibly paid his taxxes😮

[@Stepan-vr8dw]

If you get really really good interest, it can be worth getting loan to set an emergency fund in some cases. But something tells me, he didn't get a good interest and I would guess, he blew the money right a way.

[@thekwoka4707]

@@Stepan-vr8dw I guess only if you think that the rates will go up before your emergency happens...which is a wild bet.

[@Stepan-vr8dw]

@@thekwoka4707 We've had a period i my country, where savings account would give you the same yield percentage as an interest percentage on a personal loan, so you could end up earning more by doing that. If one does not have an emergency fund and can earn all the interest back, I'd say why not.

[@PoopDeckSwabber]

He would have been better off just putting an emergency on a CC. One is a “maybe I’ll have to pay that off while I get my shit together” the other is “I now have more debt that I have to pay off with interest”

[@PlainYogurt403]

It’s staggering how many people don’t understand that 15-20% interest is in fact LARGER and completely defeating the purpose of 1-2% in points on credit cards.

[@lauraweiss7875]

Which is why so many banks offer points. It makes them $$$$.

[@MissMosierable]

But he wants that sticker on his sticker chart.

[@joshizfly]

It's almost like they do it on purpose edited for /s just in case...

[@janel8733]

People are falling for the scheme and the banks are making billions off them. Even if you’re not paying interest, the “benefit” is so insignificant compared to how much you spend… it’s literally pennies on the dollar.

[@combatmittens]

Current credit card averagre interest rate is 20.27%, so 15-20% is one the lower end. There are people getting points with a poor credit score and then being hit with more than 30% interest

[@JPsTrainsandTravel]

Dang. I'm a 35 yo married gay man. His attitude and outlook is so prevalent in some corners of the gay men community. Just magical thinking. Buying lavish things that don't improve your life in anyway is pretty common. Many gay men do make good money and budget well and I think some try to emulate the rich gay man facade. This was a great episode for me to watch

[@hofterup]

Wait, this guy is gay?!?!?!?

[@G0D_77.7]

Did you ask if he was gay? Maybe he is metro sexual

[@lb3659]

“I don’t want to work until I’m 65” my guy… the path you’re on has you working until you die.

[@pencilcase8068]

He's on the right path technically. He won't be working *until* he's 65, he'll be working beyond that

[@mcnamaraky]

@@lb3659 well he thinks Thailand is his emergency parachute, but as someone whose wife is Thai and currently lives there and we're trying to get somewhere to live BOTH THERE AND HERE because we intend to move there eventually? Yeah, there's a LOT that you have to do. Arrival VISAS are TOURIST ONLY, non-citizens cannot own property (only rent), and from what I remember a digital nomad visa there costs money. Idr the price but yeah. There are like quite a few steps required to move there. Also, if you make over 50k: THE USA STILL TAXES YOU FEDERALLY. THE USA IS ONE OF TWO COUNTRIES THAT TAC YOUR EARNINGS ABROAD. So, unless he RENOUNCES his US citizenship (which would be SO FOOLISH THAT HE MIGHT DO IT) it's not what he thinks it will be. Idk just seems insulting. I've spent a lot of time there the last few years and it's its own land with its own culture and its own people. This is the guy who would go there and talk badly about their monarchy and wonder why he's getting locked up in a Thai prison...

[@carlenyvalentin606]

😂 facts

[@hellbent18]

Not if he keeps declaring bankruptcy. It's a form of theft, I'm my opinion.

[@thunderjolt69]

He's dressed like his debt, all in the red.

[@Phew0723]

Lmaoooo

[@zking2929]

😂😂😂

[@ashmeyer21]

Good one😂

[@CrystalKat]

Maybe he wants to be in that lady group… The Red Hatters! He identifies as a Red Hatter lol

[@BaddieinBronco]

these comments lmao

[@vohnyf]

Caleb needs to pull out monopoly money when he is hit with manifestation believers. “This is your paycheck it is $20. You owe me $40, pay me now.” “But you only gave me $20-“ “NO GO AHEAD, FIGURE IT OUT! FIGURE IT OUT! MANIFEST IT! MANIFEST ITTTTTT!”

[@barrymckockinner8476]

@@nono99136 if "20 is less than 40" is confusing to you I have a little less hope in humanity

[@12312dudj]

​@@nono99136 how's it confusing when they're trying to "manifest" - I think manifestation is more confusing than logic

[@sarcofaygo6218]

​@@nono99136 yes, manifesting is confusing and silly. That's the fuckin point bro

[@caylamiche3616]

I could literally hear Caleb’s voice in my head as if he was screaming it.

[@Dee2Jaay]

Maaan, people really are living in a "social media world" where they broadcast their "happy" and "amazing lifestyle" but are really drowning in debt

[@keanumaikekais2202]

Makes me realize I'm probably not doing as bad as I thought

[@Dee2Jaay]

@ same here!!!!

[@LuchadorMasque]

speak for yourself

[@Stealth86651]

It's nothing new, many "wealthy" people are like this, social media just provides more evidence and history to show it :)

[@Dee2Jaay]

@@LuchadorMasque i am? Lmao

[@patnev9296]

Just to note, if someone contacted me talking about a free website they designed for me, I would assume it was a scam. No way am I interacting with that link or responding.

[@heathergray9195]

My DMs from strangers are never ever seen. Ever.

[@SixthSenseSynesthete]

Plus with how easy they make website templates these days I'm pretty sure even non-"techy" people could figure it out on their own.

[@tahinaschwegler8112]

@@SixthSenseSynestheteyoud actually be surprised how lazy/not resourceful some people are. I mean he currently brought in 30k from it so there’s people doing it

[@dominiciannucci5217]

​@@SixthSenseSynestheteI was designing websites using Wix and Weebly in 6th grade at age 12. Incredibly easy, no html or tech required. It's as ways as making a PowerPoint presentation which everyone should have learned in school. People will still pay for this because they are LAZY

[@emsa5034]

@@SixthSenseSynestheteexactly that’s why square space was even created lol!

[@dubsteak]

The classic "I'm hoping for people to trust a link from a stranger" marketing technique, very well thought out 👍

[@I2oseTheory]

Caleb: Please tell me you pay your taxes? Guest: I do. Caleb: 😮 IRS: Don’t worry fellas, we’ll find a new one next time.

[@by9199]

I pay my taxes but I don’t pay my creditors back. 😂

[@Karnickel93]

Agent Taquito's successrate will never recover from this audit :(

[@averyward7520]

Caleb: Damn no bonuses for this show. Womp Womp.

[@aliciayork5785]

“I like to pay things in payment.”= I like to pay way more for something than everyone else.

[@javaskull88]

Agent Taquito has left the chat

[@internisus]

This guy went through bankruptcy on $100k and has a higher credit score than I do when I've never missed a payment in my life. Nothing matters

[@robertmatthews2154]

Just remember, it's a game you either play your way or theirs. You'll be fine, man

[@tiffanylastinger3925]

Ask for higher available credit every 3-6 months on your cc

[@agm65ccip]

A lot of banks offer a credit score tool in their online banking. See if yours does and if it has recommendations on getting the score up

[@brianm2242]

Or he's lying.

[@NerdyOutdoorVeteran]

I highly doubt his credit score is 720 with his current debt and a past bankruptcy. Maybe possible if his bankruptcy was more than 10 years ago.

[@Mrslovett007]

How are people even allowed to open credit cards after filing bankruptcy…

[@drewbrown6517]

Predatory lenders, like Credit One

[@alanlippincott2802]

Bros face dropped every time Caleb called him a failure. Like childhood trauma resurfacing level of drop. I wanna hear that therapy session.

[@michelle-estateoforder7808]

When he said he was going to manifest his solution I seriously thought Caleb was going to look at his team and say "if you give me another manifester you're fired"

[@imageisn0thing]

😂😂😂

[@Skaterboi-k6d]

I would love to be Calebs therapist. Lots of recurring billing.

[@masihaasghar6505]

Honestly i come for caleb yeeling at people the financial advice he gives do not apply to my country

[@superkawaii8315]

Next episode they should do a group manifestation for no debt in 12 months

[@butteryflakycrust4864]

@@masihaasghar6505budgeting, not going into debt, and spending less than you make is not applicable to your country? Where do you live?

[@mylifeontheElist]

Oh he’s definitely not paying taxes on his website business, he didn’t even realize his personal spending was separate from his business when he said it wasn’t profitable

[@TioMogi]

Thats probably how he "paid" taxes on his business if he reported zero to very little net profit then he would owe very little. Meanwhile he probably was supposed to pay on the actual profit that he spent on lifestyle bs

[@jv-man3698]

He doesn’t have a website business. I’d bet my life on it.

[@geneadaway2671]

No fear of an audit? 🙉

[@susantisdell1725]

😮 Build up a Website to solans.

[@recipesinreallife5291]

I wanna advocate for Caleb on Hot Ones. To see Sean interviewing Caleb who I believe is an amazing interviewer himself. Plus the gooning :)

[@moss_yt]

The gooning? (I know what the word means, I’m just confused as to why that would happen **there** of all places, lol)

[@FogHeiress]

🤝🤝🤝

[@imageisn0thing]

I'm glad I don't know what that is

[@superkawaii8315]

He would be a great guest! Ironically, he may be calmer without abhorrent finances in front of him

[@superkawaii8315]

@@moss_ytCaleb likes to play Soggy Biscuit with his male staff

[@alenjenon2011]

"a pimp named payback"

[@CalebHammer]

hahahaha

[@mouseutopiadystopia24601]

Pimp!? He's a twink.

[@MilesByMyles]

@ assuming you’re joking haha shoutout The Boondocks 🖤

[@chippy2cents678]

You're thinking of Alabaster Jones​@danielh589

[@AMNationMedia]

🤣

[@elizabethmiller2115]

This was the first Christmas we cash flowed instead of using credit. Now we are starting our debt pay off journey🎉

[@PuppyStarzz]

Congratulations! On my debt pay off journey too with my fiancé! Keep going!

[@rebeccadietrich5518]

"It's a lot less debt now" after saying you went through bankruptcy is WILD.

[@LaurenMukic]

Today we hit 100% of a fully funded emergency fund 🎉🎉

[@heathergray9195]

🎉🎉🎉🎉🎉

[@sarahhunter1114]

Right on! Well done♥

[@theshaggymotto]

Congrats

[@purplepebble3479]

🎉🎉🎉🎉🎉

[@Nahuwaki]

CONGRATS!

[@teamsmith.madeline]

i wanted to let you know that i’ve been religiously watching your channel for months now & i just paid off ALL MY DEBT!! thousands of dollars of debt gone in less than a year!! thank you for motivating me every week 😭🎉

[@danielle3064]

🎉🎉🎉 congrats! 🎉🎉🎉

[@maggiez3677]

I genuinely thought he was wearing those plastic heart glasses that get passed out at bachelorette parties and wedding receptions

[@awhyee]

Are they not plastic heart glasses?!?

[@Gideon920]

@@awhyee they are but he said they were $80…

[@queentrinicorn9441]

@@Gideon920and the brand probably manufactured them for $0.50 💀💀💀

[@lunasdawghaus6339]

The look like the glasses from Civil War “what kind of American are you?” scene

[@louiem5778]

Me just realising they’re not …😮

[@BumbleBri414]

Wow. Literal rose-tinted glasses

[@CalebHammer]

hahahhaa

[@annipsy2185]

hes so proud of himself too

[@Raphanne]

The editing is getting better and better. Last video, Caleb was the frog waiting to get dissected and today he is the class turtle. I'm so happy I was watching the screen at that time. ^^ Also, just when I was thinking that the guest looked like the Team Flare from Pokemon X, that image popped on screen. 20/20 work!

[@LauraAJ1369]

My 15 year old and I watch together. We were stuck in bed with COVID for the past week, today is his first day back to school. But he even said, Caleb's editors slaying in the New Year! Lol

[@SamanthaFogelson]

I get to finally call out being debt free today!!! We built up $10K of debt during an unpaid maternity leave (only started watching FA a week before my leave - developing financial literacy bc of this show!!) and it took a while to pay off (since I didn’t fully compute the need to stop purchasing on that card until Caleb yelled at enough guests). We did it before a cent of interest accrued! Keeping an eye on loans with reasonable rates to upgrade our car now that we have two kiddos and we barely fit in our 2010 scion. Grateful to have learned sooo much in those show, such as what a reasonable rate and term on a loan is!! Eternally grateful for the knowledge (and entertainment) this show provides.

[@PuddiNovaXZ]

Caleb yelling at other people actually bettered my finances, ‘cause it’s like he’s yelling at me in a way, and it’s effective 😢😂

[@GreedoShot]

I think about Caleb yelling at me when I'm about to buy something stupid

[@PuddiNovaXZ]

@ 😂 😂 😂

[@SesRen]

I honestly think about how hard my finances would be judged if i went on the show and it makes me take myself more seriously 😭 every episode such a good reminder to not give myself excuses

[@PuddiNovaXZ]

@ 💕

[@NoirChat22]

Everytime I want to shop I watch Caleb. Caleb has saved me tons of money

[@kainenable]

Dude wants to retire at 50, and has nothing in retirement in his 30s. Good call bro.

[@ChrisEagor]

Pimp daddy vs. financial daddy. Never thought I would see that.

[@cal5000]

Pimps aint broke.

[@devinc8142]

😂

[@Thollis1987]

Pimpin ain't easy!😂​@@cal5000

[@superkawaii8315]

Diddy vs Dave Ramsey’s son

[@zosazsatara5889]

​@@superkawaii8315Could you shut up about diddy? It's not even funny.

[@kinggatty9874]

Every time I start to feel bad about my finances I just start a episode of financial audit and I immediately remember I’m doing better than most!

[@scotthewitt6423]

I really don't know how to feel about Caleb's audits. As a financially secure adult, who has been responsible my whole life, I feel good about my situation. But then I watch these idiots and know the government (aka me) is going to take care of them. I want to feel good, but I also want to puke.

[@RK-cj4oc]

With your tax money lad​@@scotthewitt6423

[@The2009believer]

Same!

[@tothehouse4368]

Better than most can still not be that good as Caleb always says.

[@jerrystauffer2351]

I am a GOD of finance!

[@highly_mackey845]

“I’d like to keep them on please” 😂 I wasn’t expecting a RPDR and financial audit crossover today but I appreciate it!

[@pawprintsonthemoon]

I knew exactly what he was talking about 😂

[@MsLittlellama]

I’m not sure if anyone else feels this but watching this show has not only helped me really get serious about my finances but helped me realize what other parts of my life need serious work. I definitely have other contributing factors to those realizations but can undoubtedly say watching financial audit has played a BIG part in it. Definitely doubling down and making some changes for the better. Thanks Caleb and the Hammer team :) wishing y’all an amazing 2025 with every good thing y’all pursue :)

[@heathergray9195]

🎉🎉🎉🎉🎉

[@SpaceyKasey17]

💯

[@kaydublin5164]

I think it’s great how this show is changing young ppls attitude towards money, and how important it is to save , I wish we had someone like him 40 years ago.😊❤

[@10deouros]

Financial audit really helped me reshape my view of what a wealthy person really is. I used to think that the best dressed, stylish people who are always traveling, doing fun stuff, getting beauty treatments and plastic surgery were the wealthy ones. Now I know that these people are mostly drowning in debt and sometimes literally bankrupt. Real wealthy people are not that flashy, they tend to be more modest and most of them are wealthy because they’re frugal. They have enough security so they don’t have to fill the void with useless “designer” crap. It’s the difference between being wealthy and appearing so.

[@UrfutureMotherInLaw]

Yeah, I often wonder how certain people around me go on all the trips they do. This show has really opened my eyes to that 😅

[@emcatz]

Same! I didn’t really want the material things that the people I saw blowing through enormous amounts of cash were flaunting, but I was always wondering why everyone else was seemingly doing so much better than me when I felt like I was making decent money. Turns out I COULD have had all the same things, but then I’d be in debt and wouldn’t have the things I personally value like financial security and owning my home. I’ll take that over shopping sprees and expensive trips every time.

[@qugo8158]

The truly wealthy also don't go around buying them all of these brands. They get their stuff tailormade.

[@soblessedchelsea59]

I used to work for a millionaire and he wore the same tshirt and cargo shorts like every day.

[@jiminauburn5073]

I would not say that we are wealthy, but well off. We make $250K a year and have a net worth of a bit over $3M. We live on about 25% of what we make in a year and the rest goes into investments/retirement accounts. We have two cars, currently a 2018 Volt and a 2023 Model Y. We replace a car after about 8 years. They are staggered so about every 4 years or so, we replace one of them, paying cash. The only debt we have is a 2.35% loan on our primary residence that is only about 20% of the value of the property. I know lots of people that make similar to what we do, but are in debt up to their eyeballs. They have a couple of $80K cars, have all the designer stuff, and let lifestyle creep eat up all their money as they make more. They still live paycheck to paycheck and a few months out of work and it would all come crashing down.

[@CatsMeowPaw]

'Cold DMing' is also known as spam. Everyone hates spam. I have never responded to it, and consider the business owner to be an insufferable twit. Is manifestation what Americans are resorting to these days? Is it the equivalent of 'thoughts and prayers'? And also, why should someone pay him an American amount of money when he's living in Thailand? How can I have a meeting with the guy running my web site if he's 15 times zones away?

[@Thesakuraharona]

He likely wouldn't tell the clients where he is physically located.

[@shelr8139]

As someone who’s been in the beauty industry for almost a decade I would NEVER trust a random cold DM to build me a website. I get scam cold DMs all the time and that’s not the way to build up a clientele.

[@shelr8139]

I’m calling them out bc they keep saying “in the beauty industry this, in the beauty industry that”- this person does NOT speak for the entirety of the multi-billion dollar beauty industry hahaha

[@BongHitStorm]

true for artists too! general rule of thumb is that if you get some random ass DM for ANY kind of service it's probably a scam. no wonder he's in so much debt lollllll

[@MissMosierable]

I wonder if he's got issues with his salon clientele because he spent a lot on a class for hair extensions while also saying he wants to get into barbering. Some men do get extensions and weaves, but that is very much a majority of women's hair work. Why spend the money on classes for extensions when you're also trying to focus on men's hair? He also said all of that after saying he wants to get out of doing hair. Which is it? It's SO chaotic and contradictory. I wouldn't trust him to build me a website because he is too flighty. He doesn't stick to anything and see it through. As soon as it gets hard, he gets bored and makes a new plan, and goes off elsewhere.

[@CalebHammer]

yeppppppppppppp

[@choreomaniac]

Now imagine that same cold DM is from Thailand! Now aren’t you happy to give money for that?

[@JoshGeoGoose]

0:18 "Why would they trust you?" "Look at me" Off to a great start lmao

[@The92Waffles]

god I wish I had that much self confidence

[@jxj5924]

That’s part of why I wouldn’t trust him

[@MarkRobbo96]

I really thought Caleb was going to go with "exactly"

[@thedevilsivy]

i LOST IT at the DEADPAN, “i don’t give handies”

[@TimothyGod]

Clearly hearing what he wants, that wasn't the point of the comment.. 🤦🏼

[@jeremyrivera7079]

Consistently seeing people make almost twice what i do struggling to pay their bills when I'm living comfortably off of my income is astonishing

[@jessigirlrae1688]

They are only struggling because they spend it all and owe so much interest

[@giantpune]

I have it on good authority that if you go to good will and buy an entire red wardrobe, you can double your income. It only works if you wear it ironically, and think that it looks good.

[@sarahmill6963]

Amazing isn't it? Living within your means is actually quite comfortable

[@mrhbkpcnbob5191]

That guy could save $40k a year easy on what he earns.

[@TheHolladiewaldfeee]

​@@mrhbkpcnbob5191 40k savings with 4,5k earnings per month? So he would just spend 14k to live with rent? Lets not get ahead of ourselfs here.

[@rachelhoward6109]

44:47 "Would you answer a cold DM with a website already built for you?" No. I am not engaging and clicking any links some rando sent claiming they have built me a website.

[@kunya16]

I get DM's like that all the time. I don't even read them. People wanting to do cover art for my online books and build websites. I just delete them.

[@KuroiErza]

​@@kunya16 The sad thing is they always find someone gullible and inexperienced who will buy it

[@brittanymorgridge-haslett828]

My husband lost his job and had to cut back soo much but learned what worthless spending we do honestly a wake up call we both needed. We have changed our behavior so much for the better.

[@roxcyn]

What worthless spending where you're doing?

[@smddev]

As a web developer I can promise you that anyone telling you they can build a website in 3 hours is objectively lying to you.

[@buddykerr1]

He's obviously not building much of anything. Just plugging his user's content into some prebuilt templates.

[@killzombiesOMG]

@@buddykerr1 That's what I thought too, he is not building it, he is setting it up AT BEST

[@mattym8]

I can do square space in 3h

[@smddev]

@@mattym8 pretty much anyone can plug their data into a template in 3 hours but the end result is usually a janky website that a kid could make with the same tool

[@merphul]

he flat out says he used a website builder for $100 something a month. it's like using SquareSpace with a middle man.

[@Lauren-xr3sz]

What a sad ending. I don't blame you for ending it the way you did. The method you mentioned is the easiest, most cut and dry method that he could use - and he refused. There's no way he's changing his behavior anytime soon. Also I love how "canceling audible" was the only example of reducing spending he could come up with. It's like $16/month. He'd save hundreds if he stopped doordashing...

[@jbennison5672]

Also a 90% chance that BTC goes to 200k in the next few months. Caleb was wrong on this.

[@Lauren-xr3sz]

@ you do realize that's a gamble though right?

[@jbennison5672]

Yes, most investments are a gamble, of varying risk of course. But considering he has already bought these investments it really doesn't make sense to sell in what is very likely the middle of the bull run.​@@Lauren-xr3sz

[@primarybufferpanel9939]

​@@jbennison5672It also has a chance of going down 🤨

[@jbennison5672]

@@Lauren-xr3sz all investing is a gamble. But it's highly probable that BTC reaches new ATH soon.

[@andrewsemancik276]

Just made an additional $700 payment to our car payment this month - goal is to have it fully paid off by April, and private student loan paid off by June. Can honestly say this show has change my family’s life, and has made us push to be debt free as soon as possible. Thank you Caleb!

[@SammyEspinosa-lr1js]

This show keeps me going! 3 more months and all debt gone!

[@Longhornguy512]

👏 👏 👏

[@suzykennedy3559]

You got this! Paid off my car in sept (my last debt) and it’s so great on the other sode

[@tweedyyyyy]

🎉🎉🎉

[@keyeslord]

You got this! I’m rooting for you

[@furryplantsandcoins9070]

You can do this !!! 🎉🎉🎉 Then you don't have to worry about looking like that dude😂😂😂

[@mandy648]

Caleb, you should go on the road and do all 50 States! You do an Audit with one person in each State! ❤

[@CalebHammer]

Maybe!

[@BrittanyAlmetaCalhoun]

Right! And see which state had the worse and best financial outlook.

[@mandy648]

@ , yes!!!!!! That’s a GREAT idea!!! Which do you think? I think the top three would be C.A., New York & Mississippi!

[@mysteryglor4149]

Agree. Would be interesting to see how everyone spends? I’ve seen so many Austin tx ones and they go to hbt or that store 🤣

[@repairupdaterepeat5815]

You should come to the UK and guest on one of ours 🤣

[@Guest-kb8et]

Can we total the debt as it goes again, it was something I enjoyed while watching 😅 anyone else? Edit: It keeps my brain engaged

[@sachikomarshall5939]

At this point the most confusing thing about this channel is how they find such unlikeable people, and never run out. HOW?!?!

[@danieljones2936]

Bro, have you met the general public? It's awful 😅

[@Cleanslatescott]

Most seem to be from California and specifically Austin, Texas.......there ya go. It would be harder to find a normal person in those 2 places.

[@mrsleep0000]

Democrats, my guy, democrats. Hell, Kamalas campaign was in the red. From the top on down they are reckless spenders.

[@zappy7393]

Americans don't hold a high regard with the rest of the world.

[@discordantfungi2741]

Not only are the unlikable people are endless, but they also seem happy to come on this show to get yelled at by Caleb.

[@titaniummetroid]

I didn’t think Caleb would get the Heatmiser on an audit.

[@CalebHammer]

OOF

[@terryratsack423]

Boom! Roasted

[@kristintempleton9677]

we need coldmiser next

[@Livingpains]

Damn I thought I was the first to make a Heat Miser joke!

[@trevorbye8558]

One of the most common issues with Caleb’s guests, and the top 3 things I’ve learned as a result of this channel are: 1) PAY YOUR DAMN TAXES 2) Know and have an inventory of every penny going in and out of my bank accounts 3) Prioritize planning for retirement and emergency funds.

[@kunya16]

Imagine having to tell a grown man to stop trying to be cute and quirky. To have to tell him that choosing to destroy your life isn't cute or adorable. A grown man.

[@danielleburke87]

It's his way of hiding behind the real issuse my guess is drugs

[@ChrisMusson-kv8ph]

He’s a gay.

[@carnagerulez312]

He doesn't know how to not be cute and quirky.

[@OsoroshiiNights]

At 33 cute and quirky needs to be over. Real life should have already begun.

[@actuallyanalienx.x.0]

Thats not a man thats a instagram 👹

[@alphamuplays1669]

The pokemon grunt outfit comparison was FOUL! Give the editor a damn RAISE!!!

[@clownetto981]

TEAM FLARE

[@sd5371]

He's showing off his best Team Flare fit! Dude talks about Thailand but he needs to go to Kalos 😂

[@adamrussell9389]

LOL looks like budget fire nation threads 😂😂

[@GringoFusilero]

I’ll never understand how people just sit there and get berated for an hour without walking out but it sure makes for good content

[@Shadepariah]

"You do pay your taxes, right?" is a hell of a first question to have to ask

[@ryanjv]

Given the last few episodes, it seems like should be first

[@talkingtakotaco8611]

An obvious but important question to ask. When troubleshooting anything you should check some of the most obvious things first sometimes like "is it plugged in?"

[@Jjsj62a]

I’m a newer listener and I’ve been SHOCKED at how many people on this show don’t pay any taxes.

[@crazywhitegrl27]

welcome to the channel 😂😂❤

[@joshhall9436]

3:46 OMG GUYS WE HAVE FOUND OUR 4TH PERSON TO PAY THEIR TAXES 1 MORE AND WE GET THE INFINITY GAUNTLET OF IRS

[@JordanDragonAs]

Want to bet he didn't pay it before bankruptcy

[@joshhall9436]

@JordanDragonAs ill bet my debt he didn't pay

[@kamoroso94]

Infinity gauntlet has six stones.

[@joshhall9436]

​@kamoroso94 you are absolutely right but the irs already has the garnish stone so, they just need the power of the 5 tax payers of this nation to be unstoppable

[@TimothyGod]

Correction, six​@@joshhall9436

[@Daniel-tx2vt]

When you file bankruptcy your name gets put on a public list. Lots of institutions will literally go out of there way to approve you for even more debt because they know you will likely run up debt again. So makes sense that initially he was getting approved for everything.

[@Thesakuraharona]

That is disgusting, especially considering that those who are new to building credit are completely rejected and have to go through hoops to get started (at least without getting a large purchase like a car or mortgage).

[@Silversmok3]

@24:53 - in fact, immediately post-bankrupt consumers are a desired group for credit card companies. Why? Because they’re stuck with whatever new debt they rack up for the next 7 years. Automatic collections leverage and 7 years of guaranteed interest and fee income.

[@cerisechamberlain6571]

Today is my hubby’s birthday (also 33)! Courtesy of the humorous shaming and financial advice on your channel we are both out of bad debt, paid off all but one vehicle, have a decent equity position in our house, fully funded emergency fund, and I was able to successfully start my own business. Getting on track with retirement as well. Your channel changed our lives. Thank you a million times over!

[@MICHAELJHAGAN-l6k]

There can be no doubt that this year is shaping up to be tougher. When I look back, I see I made poor choices with money last year because I was focused on my investments. I had to decide between adding to my portfolio or buying a house. Selling my things made me realize the house needed more repairs than I had planned for. I’m struggling to keep going

[@DANIELSIMPSONnn]

Every one of us has made mistakes at some point. Consider financial planning

[@RichardGeorge-uj9iu]

True. Invest in companies with steady cash flow to protect your portfolio. I got an advisor at the end of 2023 to guide me, and in a few months, I’ve gained access to over 50,000 markets. If 2024 has taught us one thing, it’s that luck is temporary. Even in good times, we need to plan for bad ones

[@snrMARYBRUBAKER-v6e]

Would you mind telling me about your financial planner?

[@RichardGeorge-uj9iu]

Yes, you are sure to find more information about "June Renae Matthysse" if you search her up online

[@snrMARYBRUBAKER-v6e]

My needs are kind of unique and complex. I'll contact her nonetheless, and I hope I'm able to make something out of it

[@RajagopalaRaoS]

No one ever opens a cold dm offering them a website. This isn't 2007

[@queentrinicorn9441]

Anyone sliding into my DMs for a re-occurring purchase on anything will likely look like a scam 😅

[@toddw.8277]

Unless you like Chinese spyware!

[@Fierriel]

I delete sooo many of them at work a day. Don’t look at a single one (can tell by subject and initial preview)

[@JordanDragonAs]

A lot of young people do since influencers have teams doing the same

[@kaseyandzach]

@@JordanDragonAs which is a very small percentage… not every young person is an influencer and even then they still don’t always open random emails..?😭

[@kleominor3970]

“You’re not bottoming after Taco Bell” was diabolical 😂

[@Jorge_Fimbres]

Hahahaha was looking for this comment.

[@greekboi79]

I was gonna say…….. GURL.

[@kiltedbear805]

This comment took me OUT!

[@darksu6947]

Muddy rivers

[@drewbrown6517]

As a bottom myself, I can say that truer words have never been spoken 😅🤣

[@ashleyking7674]

Taking out a loan to start an emergency fund took me out. 😮😂

[@gorgly123]

If it wasn't for financially challenged people, Uber eats, Door Dash, and fast food would go out of business.

[@doud_]

I'd guess a lot of businesses are floating because of mass financial illiteracy

[@LouisWilliams-ic1kb]

@@doud_this is why it’s not taught in school btw

[@geneadaway2671]

It’s almost like an intentional parody where they said, “Could we be so awful; as to alienate customers for life, maybe even warn off their friends? Yes!”

[@c.johnson1789]

​@@LouisWilliams-ic1kb A lot of this is common sense. A lot of people just wanna live like they're rich.

[@cryptomuerto6952]

The title should read “Used tampon can’t stop the flow of debt” 😂😅

[@queentrinicorn9441]

*Fatality*

[@Stuck_on_pause]

😂😂😂😂

[@sick911]

Hemorrhaging money 😂😂😂

[@reverethepatriot1776]

The way I actually laughed out loud at work 😂😂

[@alrightalrightalrightalright]

Brooo 😂😂😂😂😂😂

[@CorrineLafitte]

Why is nobody discussing his 50k degree he is never gonna use...WTF

[@Miss_Suspicious]

I was surprised that Caleb lasted as long as he did with this. Every single solution was met with an excuse. I can't believe how many people ask to be on this show just to fight every option to help them.

[@RxvenAlexis]

Exactly. Like what did y’all actually come on the show for??

[@pencilcase8068]

​@@porticaaunfortunately that doesn't exist. I would like to stop being irresponsible while my finances continue growing good.

[@TimothyGod]

​@@RxvenAlexisfor clout, and to get their name out tbh..only thing i can think of

[@MrDerushingo]

He was already pissed when he had to point out his outfit instead of it getting noticed. From that point on he only got more defensive.

[@slumplump]

The fact that he has a 720 proves that credit score is a scam

[@TimothyGod]

Or he's lying

[@henrybarnacle2034]

So he "builds websites" (actually just rents a template from Squarespace for $9 per month, charges people $39 and pockets the difference)?! Bro just outed himself!

[@tarajoe07]

Yeah, that cost is astronomical. Single digit $ cost all day for many providers. This guy is delusional.

[@TherapyGel]

There's a lot of business models that operate like this (filing taxes, for example). Nothing wrong with it, just not necessarily a good value for the money for the customer. But if they're willing to pay they're willing to pay.

[@tarajoe07]

@TherapyGel yeah, but website hosting is so non-special it's not even funny. And his markup is absolutely insane.

[@TherapyGel]

@@tarajoe07 So is filing taxes. It's as simple as filling a template (for the majority of people) just like making a website and yet millions of people pay for it every year. Billion dollar industry made up by and large of people filling forms.

[@tarajoe07]

@TherapyGel but no one is just charging $5 instead of $30. Website hosting is single digits $

[@carabencivenga8713]

The past couple episodes I've watched has made me have a visceral reaction to the word "manifesting" lmao

[@clevertaghere3297]

It's the same thing that rebranded all the time. It used to be called "the secret". And I'm sure it had a different name before that.

[@logwhitley]

It's depressing people think it works. Always makes me think of Spaceology.

[@lintonmccloud4497]

Everyone makes mistakes but the important thing is that we LEARN from our mistakes.

[@TheComplacent9412]

I don't understand how people can enjoy being on holidays while in cc debt using those same cards, this would stress me out so much... He even went through a bankruptcy for all the debt once too. Yikes.

[@L0wSkiller]

I'm 3 minutes in, and you just killed any hope I had for this creatures growth... Some of the insufferable ones have that moment where the switch flips, and they start understanding "oh shit this is like, 10x worse than i thought it was, I need to get my 💩 together!", but if you've hit bankruptcy once and this is what you show up dressed in... It's over, we should ship it to another country so it doesn't drain tax dollars any longer...

[@ImaisFace]

As someone who’s done it once I was shaking all the way from the airport to the resort check in. Hoping my cards wouldn’t get shut off while in a different country.

[@talkingtakotaco8611]

Watching a couple of these audits now, it seems people in these kinds of debts just don't feel the stress. Which sounds good on the surface, but some form of stress response is correct and healthy, because without it, you can be like these guys and just dive off a financial cliff like a lemming.

[@gregsimoes8645]

I have every belief that this dude is INTENTIONALLY putting things on credit with the plan to file bankruptcy again later. His whole "buy now, pay later" plan is "buy now, pay never". I assume he's paying the minimum to keep the cards open until he hits the maximums. Those student loans not going away and the co-sign on the car are gonna be a kick in the ass, but helps explain why he's hoping to flee the country.

[@turtleanton6539]

The y spend more 2 cope

[@detert08]

I just lol’ed when you said “hatched out of an egg in Vegas” and scared my coworkers 😂

[@bdbgh]

You know, I used to think that I was overthinking it when spending/buying expensive things since I take months to weigh out the pros and cons and looking for cheaper alternatives where applicable, I can afford it but I would still take time to decide and set savings goals before I feel comfortable before sending it. This channel is eye opening.

[@Brett.Alexandria]

The red outfit and sunglasses told me what I needed to prepare for this episode 😂

[@TooMuchSosss]

This guy knew exactly how to push Caleb's buttons and Caleb fell for it every time lol

[@margaridaserralheiro8557]

THIS IS ONE OF THE BEST EPISODES EVER. WE SHOULD GET A "FINANCIAL AUDIT" BINGO FOR ALL THE "I'LL FIGURE IT OUT LATER" OR "I'LL MANIFEST IT". I will do that.

[@heatherleslie6643]

My husband and I have been absolutely GRINDING putting 50% of our paychecks in our Roths and 403b… I hate not seeing that money in my bank account, but at least we’ll retire! Thankfully we have no debt and we eat at home! And an 8k emergency fund!

[@k20z3keith7]

Don't forget to treat yourself here and there. You have zero debt and an emergency fund so it won't hurt

[@heatherleslie6643]

@@k20z3keith7we do! We just budget and plan for it, actually we just booked a trip to Seattle using our travel points that we saved up! Flights and most of the hotel were “paid” in points!

[@marthaannesweat4676]

Are you with a school with the 403b?

[@Chessdude4]

How old are you and what do you have in retirement?

[@MelissaW09]

​@marthaannesweat4676 403bs are also for non profits, like zoos, ymcas, etc.

[@keyeslord]

I’ve been debt free for three months so far and it has been BLISS. Plus I no longer feel guilty watching financial audit because I have NO MORE debt to pay off!! I’ve been building up savings and my emergency fund.

[@jvall5879]

Seeing Caleb end an episode early is so refreshing.

[@vanessaleep]

This outfit is sending me into the stratosphere 😂😂😂

[@ruthsantos6845]

This year guest came straight out of a videogame 😂😂😂😂

[@CalebHammer]

Same with my voice

[@dustinhansen7228]

And I think it's gonna be a long, long time 'Til touchdown brings me 'round again to find I'm not the man they think I am at home Oh, no, no, no I'm a rocket man

[@jmiceter]

Just wait till you find out it cost him $1500 😭

[@eastonandmom]

back in debt AFTER filing for bankruptcy?!?!?! 🤯🤯🤯🤯

[@someguy3270]

I genuinely don't understand this. In the UK, if you're bankrupt, no lender will touch you

[@Newtzz_]

​@@someguy3270they will after 4 years

[@paulsheppard4124]

There’s no way this man has a 720 credit score

[@riseuprxns]

28:42 “I choose to live my life as I want“. Never has a more childish thing been said by an adult in the history of time. Adults devise a plan and follow it. Children do what feels good. There is nothing adult about this creature.

[@alphamuplays1669]

Bankruptcy should only be allowed once in this country, any lender who gives loans to someone with a bankruptcy on their record deserves to lose that money

[@ragingelefants]

I agree with you to an extent. They allow 7 in your lifetime, which is fing crazy to me and shouldn't be a thing at all. But also I disagree with that comment bc i was doing amazing until covid hit, had 13 years of credit, zero missed payments, and a good credit score. 2020 hit and wrecked my life, only option I had was to do a bankruptcy later in 2021. So I have to disagree that comment some what, because that doesn't make me a shitty person and can't be trusted. I'm back on track and back to low 700s credit score and only owe on my bestbuy card due to buying a tv and sound bar. Also, what about divorces? Some people have to file due to complications. Does that make them shitty people and never to be trusted? But this guy 100% shouldn't be trusted.

[@Seig186]

I think if someone is loaning money to a person who has been in bankruptcy multiple times then that lender deserves to lose their money lol

[@ragingelefants]

@Seig186 Multiple times, I can stand behind that for sure.

[@courtnichole8]

Not everyone that files for bankruptcy does what this guy is doing after filing.

[@ragingelefants]

@courtnichole8 I get that. OP kinda made it seem like anyone with a bk is a terrible person. Not saying that's they were implied. But just what I took of it

[@Ayyyyyyymanduh]

As someone in ACTUAL web design… this guy pisses me off. Paying $40 a month for a website I assume the customer doesn’t own, can’t take with them, etc…. I’ve dealt with clients who have been scammed by people like this and it makes me so mad.

[@gregariouslyme9492]

If someone sends me a cold DM with a link, I'm automatically assuming that it is a phishing attempt and I am reporting it for spam.

[@raviennoyes1]

These are entertaining, but I do wish there were some more "normal people" who genuinely want the help and arent complete airheads.

[@rissk8084]

Like that couple with the horse. I can’t wait to see their follow up

[@jgreeter78]

Came here and said the same thing before I saw your comment. 100% agree. Getting harder to watch as the people become less real. (Not even insinuating this isn’t actually his personality, he just doesn’t live in reality)

[@Ranoldopereztroika]

My 3rd episode in a row. Already subscribed. This guy is doing more for his guests than the government, the education system and their parents together.

[@adamcampbell6445]

I heard the intro and figured this guy was early 20s. When I tell you I choked on my coffee when I heard he’s in his 30s. Can’t imagine being that age and having his mindset

[@stillyetanothersarah]

Caleb pronouncing Moschino "mosquito" has me dying

[@pencilcase8068]

It isn't mosquito?

[@pensandshakers]

I haven't even seen that word before today, so I don't blame him.

[@superking3420]

Thanks to you, I got my shhhhhtuff together and have paid of one credit card and making great headway on the other, by simply being aware of my balances, interest which make me nauseous! And properly budgeting. So these frustrating people you deal with add totally worth it for so many of us who aren’t delusional.

[@nataleo9093]

Same here. Seeing how long it will take and how much money it will cost making small payments is motivating