Bipolar Disorder Driving Him Into Poverty | Financial Audit

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[@drunkenbarfight]

Hey, that's me! Thanks for having me on the show, Caleb. So far from the comments, it is really encouraging to see all the positive support. Being on here was really tough but I wanted to be on here to specifically platform how not treating your mental health issues can lead to massive financial strain that I'm in. Guys, if you have anything with mental health that you need to deal with, anxiety, depression, bipolar disorder, trauma, PTSD, etc. Please get help. It's the most important thing in your life to treat in order to keep moving forward because like me, once you get treatment, you can realize how terribly it affected you not just, mentally, but physically, financially, in all aspects of your life. But on a lighter note, we did move into the house after a very long weekend, and I'm currently moving the rest of my crap out of the apartment while cleaning it and turning in the keys today. I'm gonna work my ass off this week to get started on the goals that Caleb helped me find for myself. Thank you all for your support, it's going to really keep me going. Edit: I finally finished cleaning and getting the rest of my stuff out of the apartment, and I finally turned in my keys and am officially in a house! Reading these comments on my little breaks really made me cry. Thank you guys for the outpouring of support it means so much, and it's made me feel more motivated to do better than I have in years. Thank you all, truly.

[@Timmyboy505]

Big hug bro, keep on pushing forward

[@lawfullucyless6715]

Wish I could help you clean! You're doing great for sure. . . ❤❤❤❤🎉🎉🎉🎉🎉

[@bibii6741]

good luck!!

[@diannitaglez3268]

Sending lots of hugs and happy thoughts your way 💕 You got this! Good luck Duncan.

[@Heller_215]

Good luck with everything I have faith in you as someone who deals with chronic illness and mental things it's difficult but with a good support system you can keep pushing 👍

[@WayraRose]

This guy is so relatable. One of the more serious people on the show. He doesn't argue, and you can just tell he is so stressed out that he is paralyzed. I really wish him all the best!!! We are rooting for you Duncan!!!

[@candleduck9339]

It is *so* refreshing that mental health is so openly discussed on this channel. I know for me, my mental health and finances often correlate with each other. And I will say that having debts paid, an emergency fund and savings significantly helps my mental health

[@CalebHammer]

❤️❤️❤️

[@abbey9100]

I truly enjoy that people are willing to talk about their mental health struggles and Caleb always tries to make sure to fit that in their budget so they can take care of themselves. Really refreshing to see ❤

[@michellecd4722]

@@CalebHammer You're doing a fabulous job! I had panic attacks in the past ironically when I was going to grad school to become a psychotherapist, lol. I'd drive drinking Pepto Bismol, but mine were instigated by a medication I was put on for migraines that gave me paradoxical reactions. Eventually, I figured it all out & I was actually glad I experienced them because it gave me the ability to really understand anxiety & panic in a way no textbook would have. Then when I became a psychotherapist anxiety, and panic, PTSD became some of the specialties that I was known for treating. I closed my practice in 2010 due to chronic health issues from post-viral & post Lyme issues but then became certified as a coach even though I've not been able to fully realize my coaching practice. Your channel inspires me & keeps me motivated to stay hopeful of helping others again :) Again, you're providing a super helpful service here & your empathy is something we need to see more of on social media & beyond!!!

[@emilyward4388]

Absolutely, same here!! Last year I was so incredibly depressed, I didn’t even recognize the depression until one day a lightbulb went off and I realized I have all of these things I’ve ordered but not even enjoying(for example I bought all the things to redo my kids rooms and my living room and the stuff sat in a pile for 6 months.. i had no drive or motivation. I was overly buying my kids expensive clothes literally ordering stuff every single day that they wouldn’t even wear because we barley left the house due to my depression) I didn’t realize until I was surrounded by all these things with no desire to even use or enjoy the things once they were in my possession. Heck I bought my kids 5 swimsuits each and we only went swimming once last summer because I didn’t ever want to leave the house. I was using all of our extra money after bills on BS, every cent and then when our money would get low I would use the pay in 4 apps and rack those up so we were constantly making payments on those. It was so bad.. I finally got the push to get to the doctor(after rescheduling it 3 times because I didn’t even have the energy to go to the doctor) and I’m doing much better. I still need work but I’m in a way better spot now that I’m on medication. I stopped the shopping altogether besides only getting what the kids NEED for the season. Now I just need to learn how to budget properly now that I got my shopping problem under control. Mental health is so incredibly important.

[@briankindley4859]

@@emilyward4388 I'm in this same situation, trying to turn it around now. I hope you're doing bettter now!

[@chrisstroud1915]

His honesty about his anxiety is so admirable, it's refreshing to see someone confront their issue rather than making excuses. I respect him so much. I'm truly wishing him all the best and I believe his can get out of this!

[@Jake-tt2iv]

Nothing about this is admirable. No one ever talked or treated this guy like a man. He’s using “mental health” as an excuse, as most everyone on here does. That’s why he’s breaking down. He’s a bitch

[@deprogramr]

Does anyone else compulsively deal with banking while watching Caleb? 🤣

[@MotivationalCarpeDiem]

Just checked my checking and savings and credit cards balances to make sure its at 0 lol

[@thomasmenard1799]

I stare at credit karma and Experian like the numbers could change any second

[@kittydaddy2023]

Hahaha these financial fools... oh, no, I'm in the same boat LOL

[@misslola145]

I legit just checked all of my accounts 😂

[@mike7933]

I update my budget with Caleb playing in the background lol

[@HomesteadingwHolly]

Caleb I don’t know if you have any sort of background in healthcare and therapy, but as a therapist myself, you really did an awesome job here

[@CalebHammer]

Thank you so much!

[@hanspz5505]

I’m relieved this guy has emotional intelligence and empathy, this show would be a disaster without that tbh

[@cupcakeunicorn7744]

My niece and I watch these episodes together and call it Financial Therapy instead of Audit! Lol Caleb's kindness is what makes this show gold.

[@cynsational7225]

He’s shared that he’s been going to therapy for years :)

[@Carramel]

Since watching Caleb I’ve paid off all my credit card debt, even the credit card company called asking why I’m not using my card anymore 😂

[@yayo2363]

Haha damn

[@sabias3932]

Loool they miss you 🤣

[@CRS-fe2zj]

Haha tell them blame caleb not you😅

[@Katie-Stone]

Haha I had no idea companies call for no use 😂 Good job!

[@Carramel]

@@Katie-Stone they call in England and/or write threatening to close the account if you don’t use the card by a certain time .

[@theycallmefilip]

A common trait of people with bipolar disorder is bad spending habits like impulse buying and shopping sprees, so you're not alone, nor is your situation unjustified. What sets you apart is that you recognized the problem and took steps to fix it! Keep grinding, take the meds and you'll do great! I'm rooting for you!

[@LauraIsOverstimulated]

Completely agree- there’s so much respect in acknowledging especially for others to see and possibly criticize. Is there a card or something that could help make it difficult to spend during times of impulse? Like the fizz card Caleb supports? Could be a useful tool for when someone feels like they can’t control impulses

[@kw2519]

@@LauraIsOverstimulated I’d say proper mental health care is the answer. Proper medication, talk therapy weekly and healthy life style. That being said, if you can’t make any money, how are you supposed to see a dr or get meds. We need to address our mental health in this country. Yet everyone seems to think gun control is how we solve a complex mental health problem.

[@johnprior3746]

​@@kw2519 If our country dedicated even half the resources we waste on gun control into free, quality, accessible, judgement-free mental health care, a large part of the gun violence problem would heal itself. I absolutely agree that our country is facing a humongous mental health crisis and it's unfortunate that everyone is looking for a solution everywhere BUT creating quality accessible mental health care.

[@kw2519]

@@johnprior3746 yep, it’s because the real solution is not easy or cheap and it won’t be quick. Everyone just wants a fast answer and they seem to think prohibition works? Yet, look at weed and alcohol.

[@Jimothy-723]

@@kw2519 i have Bipolar 1 and i can tell you that everything you said is bogus. that does not work at all, and the manic episodes will happen no matter what. all you can do is learn coping mechanisms to deal with it. medication has been shown in studies aswell as my personal experience (quantitative and qualitative evidence for you) that medication, psychotherapy, and other forms of psychological and psychatric treatments have a corelation of response to Bipolar of 0.1 or less...

[@urmomshouse1678]

Takes a brave person to put the most private parts of their life on the internet. Keep in mind this is all to better yourself, and help the people watching. Thank you! This is a huge act of service!

[@CalebHammer]

Absolutely

[@skatereliasvid]

@@eszekecles bro u have a weird mindset. idk what to say. you live in a bubble. i think that's why everybody disliked you're episode.

[@mr.awesome1576]

Very true. I am afraid to put my private parts on the internet

[@hectordelgado3258]

Wow I’m just getting started on the video but this is one of the few people that isn’t making endless excuses. Good for him and I wish him the best

[@CalebHammer]

Absolutely

[@y0utuberculosis]

love to see men talking and supporting each other. What a couple of awesome guys.

[@sabias3932]

For real, the crying, handing him a tissue, telling him it’s ok to cry, asking him what’s going on, this scene was heartwarming 😭

[@BreakingClouds-]

As a truck driver, I love when you upload, keeps me awake being frustrated listening to these situations

[@LeftyBeatsz]

Im a truck driver as well. I do the same thing as well lol

[@JimmInOz]

Same here riding the nightshift😂

[@nenavice9903]

the frustration keeping truckers awake, that's hilarious

[@theaterlightman89]

Honestly true

[@oldaccount67543]

shoot me too. i stopped listening to music and i just watch caleb. keeps me awake

[@nicksitro3480]

As an almost (about to get licensed soon) psychologist, you do an incredible job at seeing the person sitting across from you as a human. Your ability to integrate mental health, family situations, lack of education, and unhelpful habits into finances is incredible. You are doing an amazing job at helping people sort their lives out! Just a quote that I think will help some people think about their anxieties differently “That which you most need will be found where you least want to look” -Carl Jung

[@susanclaire901]

*YOUR ability

[@DribblingManiac]

Caleb is so good at speaking through these mental health issues with patience, compassion and EMPATHY. Props to whoever raised him.

[@jdpeven1234]

Caleb is the epitome of tough love. He’s direct and no-nonsense but it’s so clear in every video (and this one especially) that he just wants to help people live better lives.

[@noyacreative]

As a woman living with Bipolar, I can totally relate... I have struggled throughout my life with stability, went through bankruptcy, and had to work really hard to find balance... My heart goes out to him. Stay Strong!

[@asapasiafury4100]

Noa, God bless you! My goddaughter has bipolar, I decided NOT to send her money anymore since she confessed to me she struggles with over spending. How do you deal with overspending? How do I help her? Thank you kindly for any advice.

[@tiawana420]

As a cactus with depression I can relate as well.

[@Raphanne]

@@asapasiafury4100 You didn't ask me but my husband has bipolar, so here are my 2 cents. What I do to take care of him as best as I can is make sure we live a healthy lifestyle. Of course, treatment is important for his condition, (but this is not something I can control), so on top of that, I notice that what we do everyday can have a big impact on his mental state. Before he met me, his behavior was very self-destructive, but it's unbelievable the impact that 1. a good night sleep, 2. a healthy diet (we heavily limit his sugar intake), 3. being physically active, 4. making sure he has enough vitamin D and omega 3, has on his brain. Of course, medical and psychological treatment is needed, but my advice would be to support her in these other 4 areas of her life.

[@asapasiafury4100]

@@Raphanne Thank you so much for giving useful information! I appreciate it so much! God bless you! 😇

[@PeteyPistolDee03]

@@Raphanne thank you for reminding me how to get back to it!

[@MrSamiboy09]

Caleb, because of your channel I’ve paid off $15,000 of debt this year. Completely debt free now, and I’m living a much healthier/ happier life, whilst still being incredibly conservative with my money. I haven’t been on a holiday for 5 years because of my compulsive spending habits. Europe 2024 here we come!

[@BuckeyetheCat]

That's so awesome and motivating! Congratulations. Enjoy your trip. 😊

[@michellemorrison9663]

Oh man, saw the title and saw myself. Bipolar disorder also drove me into $20K debt. I already fixed all that and even have a house now but the struggle IS REAL! I feel for him, he’s strong for sitting there and talking about it❤❤

[@chelseysmithmillaaaaar]

Whooooo 🎉 well done that's incredible 👏

[@tundranocaps]

Glad to see the "Putting extra money towards actually having fun so we won't fall off the plan" being discussed. 4 years is indeed a long time.

[@louiseherta7791]

Duncan, you can do this! Through no fault of my own I had to start over with savings at 40. I never made over $60k but recently retired with a net worth of $1.2M. I am a frugal person but it can be done even late in the game.

[@KitKat10281]

Caleb should do a show about your success! It'd be refreshing to see someone who made their way out of debt hell!

[@josemason7381]

Shrooms completely turned my life around. My anxiety and panic attack disappeared and my personality changed into a much more generous loving person

[@BrentRoe]

Psychedelics have made my life so much better and helped steer me in the right direction. As much as I want this to be a legal therapy for the public, it will become monopolized before that ever happens.

[@JaredHeffernan]

The best part of magic mushrooms is getting rid of your ego, it helps you get over yourself. About every 6 months it helps you refocus on the truly important things life.

[@HeidiSoderstrom]

dr.wheelershrooms is the best, he's been my supplier for anything psychedelics.

[@HeidiSoderstrom]

dr.wheelershrooms grows and sells the best strains.

[@HeidiSoderstrom]

dr.wheelershrooms helped me in treating bipolar disorder and alcohol addiction.

[@nothinwatever]

This made me cry I struggle with bipolar disorder and I will blow my entire savings when I’m in a manic episode and at 32 I have to have my mother hold onto my savings so I can’t touch it You are not alone brother ❤

[@courtjunk7]

Caleb calling soda “pop” just warms my little Midwestern heart ❤️

[@Liahs333]

And the Canadian in me ❤🇨🇦

[@libertybelllocks7476]

Because thats what its called. He deff from MI.

[@barbararepko4824]

On the East coast we call it pop too.😂

[@amandadominguez8946]

My Wisconsin Midwestern heart is bristling, we're an island alone calling it what it is, soda :P

[@stitchyfolklorist]

And the Vernor’s. Shout out!

[@ThatDarnPirate]

I'm actually genuinely impressed by this man, as a fellow bipolar person. Being bipolar is so scary in a society where you're encouraged to give in to manic impulses (especially regarding money). Most bipolar people I know are in deep debt on things they don't need and refuse to get help. He's in a fantastic situation considering this, and he's only going to get better. Good job, man! 🙌

[@POINDXTRMUSIC]

America, where a failing business means you can’t go to the doctor anymore.

[@elizabethallen4353]

👏🏻👏🏻👏🏻👏🏻

[@madisoncrawford9709]

As an Aussie, it baffles me a bit.

[@michaelrobinson300]

Its because our tax dollars go defending everyone else with socialized health care

[@dgf3308]

When he said that medication made him understand how much bpd affected him, that's so true. I took meds for adhd recently and it's been revolutionary. I felt like I could think for the first time, like really think. It's something hard to describe.

[@bigcockedman714]

everyone in america has an imaginary disease

[@notascottishgirl2543]

Very true! Not to be that person, but bpd is borderline personality disorder, not bipolar disorder

[@garlicfries]

Caleb, you're a hero not only doing financial audits but also encouraging positive mental health.

[@KH-vp4ni]

I lost my mom to bipolar disease when I was a kid and she died with tons of consumer debt. I'm so glad you're trying so hard! Don't give up! You've totally got this and I'm praying your medical insurance situation gets resolved so you can continue your care!

[@DefaultDimension]

After binge-watching countless videos, it's becoming clear that Mental Health and Financial habits go hand in hand. Stress and anxiety caused by financial struggles can seriously impact our mental well-being and vice versa. It can easily spiral into bad situations because the person uses spending as a sort of coping mechanism.

[@Hunnyfrog]

These have been super emotional recently. Thank you Caleb for being so careful and supportive of them. (:

[@Kevin.Grindel]

This is what happens when we teach children to feel their feeling which is great but don’t teach any resilience techniques.

[@haute03]

@@Kevin.Grindel Huh? Just because these recent videos have been emotional doesn't mean the people featured aren't resilient.

[@hanspz5505]

@@haute03 life is so simple in Kevin’s world, must be nice 😂

[@SextonHardcastle85]

I am in tears. I have been and am still walking down this young’s man path. I’m cheering for him.

[@ArtemisMaelstrom]

@4:10 Why be a manager on weekends for lower pay? One reason is resume padding. On paper, it signals a resposible, accountable and reliable person whether or not if its the actual case in real life...someone thought he can do the job. Extra points if he oversees staff.

[@emiliezuchowski]

So refreshing to see someone being open and honest about their situation with no excuses. Mental health is no joke. Take care of yourself, Duncan! Utilize those coping skills. You got this!

[@erinm6684]

Caleb is so compassionate and I majorly respect that. As someone with mental health diagnoses, I am so proud of this guy for being vulnerable!!

[@samanthaevans3615]

You know Caleb gives those good hugs, not those halfassed side hugs.

[@cupcakeordeath]

If you go to Circle K get their Sip n’ Save for $10/mo and you get one of any non-prepackaged drink every day! It’s cheaper than buying the 12 packs of cans for $6.87 and you can bring in your own cup so there’s no plastic waste. Edit to add this does not automatically charge you, either. You have reup voluntarily after your month ends.

[@controllerfreak78]

Damn, that may be something to look into if I can’t kick my soda habit

[@wmluna381]

Interesting.

[@SDugan52]

You and Duncan are communicating well, he seems very sincere. I hope he gets the help he deserves and is able to recover from his financial difficulties.

[@storms13]

I’m so happy that Caleb not only is teaching the viewers about financial problems, but also mental health issues. These two topics are not addressed enough in society! I feel like Caleb is jumping in Subscribers because of how relatable this is to our generation

[@jinandjuuice]

The amount of value I've gotten from Caleb absolutely ream people regarding their spending and diving into the psyche of their money management behavior has been priceless. As someone in my late 30s catching up on retirement after nearly racking up so much bad debt, this channel has been a godsend in keeping things real when it comes to money management. Lets get this guy to 500K!

[@MrWader76]

As someone else with Bipolar Disorder, you’re so loved. It’s so wildly hard to live with. I hope you’re okay buddy. I’m cheering for you

[@Insatia206]

I have bipolar disorder. I am well medicated, have a great support system, and am employed full-time. Even with those factors in my favor, I struggle with frivolous spending and over spending. Caleb's videos have really helped me curb my spending because I try to think about what I'm about to purchase, and I'll hear Caleb's voice telling me not to buy things I don't need.

[@margostarcruiser1083]

Me too! I watch an episode before any grocery shopping trips! Cut my bill in half in one month! Caleb is the best internal dialog coach!!

[@rich2209]

Jeaus can heal you if you seek Him

[@w8ting4fri]

They say that poverty is traumatic and that's sadly on display here. Your worth as a person is constantly tied to how much money you have in society. That plus the constant stress of falling behind on payments, not being able to save, and it being SUCH a big deal whenever you want to treat yourself makes poverty such a horrible place to be.

[@MerlinTWiz]

can someone give this man a hug? he needs a hug! im sitting here crying with him, i feel for him so bad! i hope he can get some help financially! in his comment he mentions how badly mental health can affect your finances but bad finances can really take a toll on your mental health!!! so its a really bad evil spiral and he deserves to feel safe in his life ❤

[@fitfood8366]

I hope Duncan reads all the wonderful comments for him here. You are making progress more than most people out there, and you don't even know it. I believe in you, 3 years from now you are going to look back at this Duncan right here and see how much more you have grown as a person financially and person. Along with the budgeting and mental health help, please try affirmations and positive visualizations too. The power of mind is immense.. :) I and the entire Caleb community is rooting for you Duncan. ❤

[@drunkenbarfight]

I have been reading them during my cleaning breaks, and I've been crying from all the support. It means so much and it's given me more drive than I've ever had in my life to get better. Thank you all ❤

[@DidacticToast]

This was my favorite episode so far. Seeing the impact of those struggling with mental health is devestanting and there is a always a light of hope.

[@JonB516]

Damn I want him to win so bad. He has the drive and know what he wants to do. The mental really is so hard to get through. He gained a lot of big supporters today. We love you and are rooting for you Duncan!!!!!!

[@oreotookie]

As someone with a very close family member that has bipolar, I want to give you a MASSIVE hug. My heart breaks for you. Good on you for fighting the good fight. You are worth it!

[@chrisramirez3196]

The first step in getting over anxiety/fears is facing what is causing those feelings. Duncan being on the show proves that he wants this. He can do this!

[@PincheeAlee]

This is why I binge Caleb's content. He dishes out tough love to awaken his guests to their damaging habits and is so incredibly sweet and understanding when they open up about the root cause of these behaviors. I hope that from watching videos like these everyone realizes that if you muster up the courage to deal with the tough stuff you can be free to lead beautiful lighter lives.

[@anthonys.8569]

One of the best channels on KZbin. No acting and Caleb genuinely tries to help people while helping viewers as well. He has motivated me to get my life in order no doubt

[@JamesKrudop]

The fact that Caleb approaches these situations with empathy while still maintaining a grounded perspective is really nice. Plus doing his best to validate emotions while people experience them? It's refreshing, a lot of financial channels just don't do that, so thank you for acknowledging the human behind the money, Caleb. It's commendable and affords you a ton of respect. Both you and The Financial Diet are wildly impactful because of this approach, so, thank you.

[@meishamom7298]

Love how Caleb calls it “pop”! Brings back fond childhood memories from where I grew up- where I live now no one says “pop”

[@MotivationalCarpeDiem]

Yes! When caleb updates, its a beautiful day. I was on my commute and saw just the last episode, i get to work and the new upload is here! Caleb has to feed the fans lol

[@CalebHammer]

Thanks for being here!

[@candy2325]

This show lights a fire under my ass to stay on top of my financial goals. I put a huge amount to my debt payment on Friday and it feels so good to see the balance going down. I picked up tons of overtime at work and worked weekends.. all this extra income is to get rid of my medical debt as fast as I can!

[@Heller_215]

When Caleb said he doesn't do shit and he doesn't know how he got 500k I gasp he is literally teaching me how to use money something that I should have been taught in high school and my parents thank you 😊

[@celiaphillips2107]

Wow, Caleb. Your ability to yell at some one in one moment and then hold really honest space of empathy in another is beautiful dude. Subscribing today because that alone was beautiful to watch. Thank you for your openness and stance on mental health and self care. 🙏❤️

[@JC-gw4jl]

I really like Duncan. Very forward and honest and willing to accept his mistakes and do better. Im rooting for you bro! Praying for the best for you

[@anvilblackstone1557]

I also suffer from bipolar disorder and I'm in a similar situation, I recently started taking medication and I'm starting to see the light at the end of the tunnel. This guy is inspiring for sharing his ailment with the world, it really helps people not feel so alone.

[@lorirogers9304]

I was diagnosed in my early forties. I’ve been on the same meds for over 15 years. Key is to take your meds every day, no alcohol and very little caffeine.

[@Mast3rAssas5in]

he seems to actually be aware of his issues and that he wants to address them. that is literally 90% of the battle, just admitting that you need to make a change. good for him, hope everything starts looking brighter. usually does for people who take life by the balls.

[@graxtheswampgoblinarchmage5356]

I wish I still believed this, but for approaching 10 years now I live with the knowledge that any day my mind might go into this malfunctioning state of mania, including psychosis, and I will yet again lose logical control of my finances, my job situation and my friendships. Whatever, I guess I'll get to enjoy that wild ride. Mania is always so fun at the time. Maybe it won't happen again, my medications seem to be very effective for just over two years now. I wish I believed that.

[@Mast3rAssas5in]

@@graxtheswampgoblinarchmage5356 all you can do is try your best. praying you're able to overcome those issues or at least keep them at bay. never feel alone is the most important part. I'm successful and have a lot of things going for me and I struggle with mental health and shit as well. you can have it all and have nothing at the same time.

[@c0l0mbiandynasty]

Good Morning, Caleb is in a 10 episode row in making people cry.

[@kw2519]

We really need to stop ignoring mental health services in this country. This is so common, especially with the pandemic.

[@kw2519]

@@GossAug what?

[@milkflavored]

Ignore the troll, you’re right. So glad we at least talk about it openly as a society.

[@kw2519]

@@milkflavored Troll ignored 😂 It just drive me nuts because this shit is treatable and people are suffering for no good reason. Personally, I think it’s a major factor in gun deaths. Specifically switching yourself off. The only barrier between you killing yourself and not, should not be your inability to get a gun. We should be addressing the fact that people want to hurt themselves.

[@insanity4082]

This country doesn’t care about mental health.

[@bookdragon3806]

As someone who battles depression and anxiety, I share the same issues with money. It's like my brain takes a hiatus while I'm dealing with a difficult episode, and then I come to and can't believe I made those horrible decisions. Watching this episode made me feel like I'm not alone, and there's hope for me to better my financial situation.

[@MrVividGrey]

I have a general anxiety disorder and looking at the numbers is always an issue with that. It induced panic attacks and heavy drinking. Honestly, now that I'm strictly budgeting through an app it's helped so much. The anticipation is the worst part. Your imagination makes it so much worse, and having a plan gives a sense of control. So helpful. I see so much of myself in him.

[@cronut6208]

This guy will make it. Despite everything, he seems to have a wonderful head on his shoulders. All the best to him (and Caleb) 💙💙

[@elijahkim818]

It’s lit! Bipolar is rough. I’m bipolar 1 and had psychosis and went into $25k credit card debt with 25% interest. Roughly 2 years to pay it back while paying like hundreds of interest each month. Wish I could’ve went on this show to get Caleb’s reaction to my finances back then.

[@danielredziniak2996]

Toughen up

[@elijahkim818]

@@danielredziniak2996 toughen up on what? wtf lol.

[@lorirogers9304]

@@elijahkim818ignore the jerk.

[@MrCheddah13]

I feel for this guy so bad, when I was in my early 20s I didnt think Id live past 30 so I lived that way financially. One day something flipped and I wanted to get better mentally too and decided I wanted to live and have had to pay for my past self's habits. It takes hard work, hard times, and hard discipline, and a little bit of help along the way but it does get better in the end. If its not better yet, its not the end.

[@hanspz5505]

If I can ask, why did you not think you’d live past 30?

[@milkflavored]

literally me! I told myself I wouldn’t live past a certain age so it didn’t matter. Now it’s come and gone and I realize I need to get my shit together. Even if I’m not there mentally, I’m still alive and I don’t want to be out on the street.

[@MrCheddah13]

@@milkflavored I am 100% on the same path, good luck to you and keep in mind when you're not feeling well that you are not alone in the way your life has gone thus far!

[@dotdot..]

​@@hanspz5505 It's not that they'd stop being alive. But that they didn't think they'll be 30 ever. Or maybe I'm thinking of it the wrong way.

[@hanspz5505]

@@dotdot.. well at least someone answered unlike rude ass OP lol. Yeah that makes sense, you just don’t think of the future

[@ohhhlorrd]

My heart absolutely aches for this man, I really hope a new job opportunity with better benefits comes to him soon

[@nicksmith8159]

This guy is strong for being willing to go on here and be on display. Props. He has a lot of insight into his situation and I’m hopeful he will be able to pull out of this

[@stormviking010]

20 minutes in and I just feel so bad for him; he’s so stuck in a rut emotionally and mentally. He knows it but he can’t dig himself out. 🥺

[@Trickster_24]

Started this year at what? 50k now youre less than 50k away from half a million subs. You deserve twice that by the time the year is done. Keep up the great content! Keep teaching people and recording it and just by watching people will teach themselves things they should have been taught about money as a teenager. You're bettering peoples lives. Not just the lives of the people who come on the show but also your dedicated viewers

[@Trickster_24]

Damn so few views so far, does the algorithm not like the word bipolar in the title I wonder

[@jonathanbrutt]

Caleb, I think this view with both cameras during your budget setup with the video is AMAZING. I will say that generally using active speaker is easier to edit for your producer, but it's great to show both people when doing the budget. This is beautiful.

[@stephaniechism3559]

I think this situation/person is one I connected to most. The sympathy and empathy you showed meant so much! He seems like such an amazing person. Struggling with mental health as a whole is so hard but Covid hitting the food industry ( im a driver/caterer myself. So I feel the struggle ) , even here in Virginia where I’m at, is STILL being hit and the slow climb back feels forever far away. This is especially worse when you actually LOVE your job and your mental health loves it too. I give nothing but love to this person and I hope and send lots of good juju his way, that he can finally find a place of good balance again. I love this channel and respect the way you know how to balance the art of “ say it like it is” but also remembering every person who sits in front of you different. Some need the “suck it up. Stop doing dumb crap and being recklessly stupid” and others need those words but with more compassion and understanding. Keep it up! And to this seemingly awesome and compassionate person… YOU WILL GET THROUGH THIS AND NEVER STOP BELIEVING IN YOURSELF! Our mental health doesn’t define us as a whole and sometimes what others might see as ailments, most times actually make us have more understanding, compassionate and just better humans!

[@emikosan8712]

LISTENING TO THIS I made another payment for double what I would have. You and your guest motivated me again. Debt is so awful. Making progress.

[@Robfather98XL]

Been here since before 100k and have loved every episode! Such a great way to teach and help while not being a dry lecture.

[@CalebHammer]

Thanks!

[@carlameaders4352]

He’s one of the few people you’ve counseled that I believe will follow through with your suggestions. So happy he didn’t go straight to loan forgiveness crap. I hope he succeeds.

[@blazingasn]

Love you Caleb dude. You're like a financial therapist. Often money is very emotional, so helping people unpack that is God's work.

[@MelissaEdwards86]

Duncan, thank you being willing to do this and be so vulnerable about your situation. You alluded to it, and others here have commented, but what really stuck out was your self-described moments of overwhelm and anxiety followed by impulsive spending. I am so glad you are self-aware and are seeking treatment, but I also hope you are able to utilize the loved ones in your life to lean on when you are struggling, as well as finding other healthy coping mechanisms. I sincerely wish you the best!

[@calebrigg3282]

This episode has hit closer to home than any of Caleb's other videos. I empathize so much with Duncan, I made a lot of stupid financial decisions and it cost me the people I love most. Everyone please take these videos seriously, Duncan I wish you the best of luck and I really, really hope your situation improves. ❤

[@starrwinter]

Caleb if you want another series idea… watch Gail Vaz-Oxlade aka Til Debt Do Us Part episodes and provide opinions… a Canadian cable staple although you remind me a LOT of her with the straight-forward FACTS! I feel this whole conversation and video too after finally coming clean to family recently, cutting up the cards, and signing up for counselling. All the steps are important and being open and honest when working on the plan to pull yourself back out 💕 Wishing you all the luck!

[@droid2D2C3P0]

Prince$$ as well!

[@TheGladeGirl]

Caleb, you were very kind to Duncan and gave him good advice. I have so much respect for you.

[@rachelsullivan7668]

My heart goes out to Duncan. I feel his pain and know it will only go up from here for him. You got this Duncan!! ❤

[@erinkerbs6789]

Go back and finish the last credit to graduate. I was supposed to graduate in 2007 with my husband, but I was missing one credit. I called during Covid and was able to make arrangements to take an online class. I finished in 2021. It took me so many years to call but finishing was actually easy and a huge boost to my self-esteem. If I can do it, anyone can.

[@naaags]

"Taquito man" was an incredible callback. Don't follow up with that guy in person!

[@TheMaristocracy]

So many of my friends and loved ones are in this situation. Duncan, you can do this. You really can. And you are in good company. HANG IN THERE.

[@beefonstick]

I love how you consistently upload right before I take my lunch break.

[@DudeHesRaggingonYourCord]

Listening to Caleb, our Financial Daddy, has been more soothing and supportive of mental health struggles and accepting than my 5+ years of treatment... 😭

[@margostarcruiser1083]

Financial Daddy! Lmao! Dependable, stable, humble, and gorgeous hair! He is a catch!

[@benjones621]

Haven't watched but I'm gonna pray for this man to find more than financial peace.

[@terrisewell4729]

Honestly you may never know the value of that €1 you have until you go bankrupt, the bad experience I had last year really made me feel that our school curricula should contain more financial knowledge and education. It is never enough to have a good job, a huge salary and all the luxuries at your disposal. But saving money and investing it wisely is never a bad idea,... I learned how to invest, no matter how little, but life really believed me the hard way. Thank you for the nice video its always interesting to watch your content

[@limburgerfarrell3499]

you've remind me of what someone once said "The mind is the man, the poor is in it and the rich is it too". This sentence is the secret of most successful investors. I once attended similar and ever since then been waxing strong financially, and i most tell you the truth..investment is the key that can secure your family future.

[@jimbouchilon389]

Starting early is the best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year's experience, i am able to build a suitable life because I invested early ahead this time

[@johnalex4006]

I urge everyone to start somewhere now no matter how small, this is literally the time for that, forget material things, don't get tempted,i became more better the moment i realized this.

[@Soboj-oy8me]

yeah investment is the key to sustaining your financial longevity but venturing into any legitimate Investment without a proper guidance of an expert can lead to a great loss too

[@nengsolavillasorda8519]

exactly! That's my major concern and what kind of profitable business or investment can someone do with the current rise in economic downturn

[@handuo6301]

every time I get the impulse to grab lunch at Sweetgreen I hear Caleb’s voice saying “$12 for a SALAD?? Do we neeeeeeed that though????”

[@B-the-the-fpv-guy]

This guy is so fucking brave to put his personal mental health out in the public. The fact he was willing to show the emotions so openly is to be respected. So many don’t ask for help. Sending good vibes his way and this is so great to see Men helping other Men with mental health in safe and non shaming honest way. Been watching for entertainment buy Mr Hunter being such a good caring guy and being supportive is why I am subscribing. This channel is such a positive and refreshing change from the negative BS in the world and I thank Mr Hunter and this brave gentleman who is willing to share. God bless both of you.

[@Bigdog5400]

Since you posted about this one in your community updates, I've been curious about this one. Haven't watched it yet, but I wish him the best of luck

[@beem9335]

Hey Caleb, I’m just going to join in to the people telling you you’re doing a huge service to society with this stuff. And Duncan in the off chance you see this, I may not be able to provide any financial help, but what I can say is you are unbelievably brave for coming on here and opening up like this. Not sure if you realize this but you are also doing such a huge thing to help people who have similar issues. You are not only helping yourself, you’re motivating people like me to be more open and feel less shame asking for help. Not to make this about me but I was also diagnosed with bipolar 2, and I can’t begin to explain how parallel our financial situation and spending trends/habits so this was probably one of the most personally helpful videos I could ever see. You got this dude, and I can’t stress enough how much you’ve done to help others here.

[@AlyssaChafe-j9x]

Caleb- as someone who works in the mental health space it’s great to see you shout out the use of therapy and counxsling. You should definitely promote the use of EAP for individuals and tap into this free service many companies offer.

[@triswilsful]

I really feel for this guy. Generally no one seems to have life skills these days: budgeting, making meals for yourself, making coffee at home - these things shouldn't be stressors. They should be rituals that bring us a source of comfort. But many of us weren't taught these skills so we're afraid of them. People in this guy's position need to start mastering these skills on KZbin. A shift mindset really improves your life.

[@lorirogers9304]

There is comfort in the money saved.

[@crispyhumanbacon]

Keep your head up King, you're going to look back and laugh at the end of this journey. You have the extremely rare gift of being able to be vulnerable and empathic. Some people come on this show and are in denial; not you man. You're a victim of bad circumstances but I know it will turn around for you.

[@jessejors3095]

ive been to therapy and this has helped me so so much more wtf such an underrated channel

[@Uncatchab1e]

I can't wait for his follow-up! He knows he's in a bad spot and I applaud him for laying it out there and even seeing he can't afford minimum to live even on a strict budget with current income. I'm cheering you on dude! Get that income up and tackle this! I know you can do it!! And with you moving into a house to rent compared to being in an apartment, just think of it as one day you can buy your own home! Wishing you the best!!

[@somerandomguywastaken]

11:10 TAQUITO MAN💀💀💀💀. Bro became an inside joke😭😭

[@marksweetser6312]

I read this at the exact time in the video. Weird

[@somerandomguywastaken]

@@marksweetser6312 I'm under your bed

[@burr7259]

Goodmorning

[@thegreatpiginthesky3904]

Hello

[@phnx2607]

Well, hello there

[@sebastianruiz1458]

Hello

[@okay-ali36]

I’m so proud of this guy for being honest, open, and owning what he’s done in the past and what he plans to do in the future. I’m really rooting for him!!