US Taxpayers Are Her Sugar Daddy | Financial Audit

[@CalebHammer]

Help us get to 1,000,000 before those nerds Graham and Jack 😘 share and subscribe??

[@BigDryda]

Freaking nerds

[@LeFriendBandit]

Only if you move back to the right 🤔

[@arpitjain2591]

@@LeFriendBanditthe left is the OG side 😤

[@olives2025]

Just finished watching you on the Iced Coffee hour and then realized what time it was and popped over here! One million let’s goooooo!

[@michaelhellmann5030]

Gerber life insurance is a scam. Better than taking ads from loan sharks I guess?

[@imonsmoko]

the close up shots on Caleb’s mouth or facial expressions do not go unnoticed - his editors are so damn funny

[@ReneeRobinsonAshton]

I laugh ever single time. 👏🏾 to the editors for highlighting Caleb's stress signals.

[@vluna426]

Yes, it's the best

[@firstsipstudios]

Facts!!!!

[@Slade366]

GOAT editor

[@helenaguero9068]

I love that

[@ruths329]

Hey Caleb, have you ever thought to mix things up, instead of reading each BS purchase individually, say "are you aware you spent $656.23 at Starbucks last month? And $89.57 at McD's?" I think that most people don't realize that the lattes add up as much as they do. Oh and I love the new set and the editing. All good improvements.

[@TH-eb5ro]

Some of his videos do have that format.

[@MD-tr1yv]

Good idea!

[@Walkinfaaaast]

While that would be good, by naming off transactions individually it shows frequency and how many times.

[@ruths329]

Yes, maybe he could say you went to Starbucks 53 times for a total of $656.23 last month. Too many people claim that they don't go out that much when in reality they go multiple times a day.

[@janel8733]

Agreed! I also think it would be helpful to let guests know how much they will be paying in interest. “Did you know your 18% interest loan means you will pay $30,000 for an $18,000 car” I think a lot of guests aren’t grasping just how much their debt is costing them.

[@Rach948]

Im 27 and I just finished paying off $31,000 of debt last week. We also cleared another $30,000 from my spouse all within a 4 year span. I have 5k to hammer out and we will officially be debt free for the first time ever! 🎉 I keep Caleb’s voice in the back of my head.

[@jobeyrm]

Beast mode!!

[@shanodhillon]

Insanely freeing!

[@Rach948]

@@shanodhillon No kidding !! 😍 We are blessed that we had a strong enough income to combine and conquer with 2 babies but it has meant cutting back, adjusting and repeating. We would really like to have a savings to jump into the housing market one day once it cools. But having the flexibility to do that alone is a blessing 💕

[@magusonline]

I just want to imagine it's Caleb screaming, "Taquitos taquitos taquitos"

[@Rach948]

@@magusonline A mix of that, and like what would caleb say if he saw my bank statement next month 😂😂 I picture him saying “WHAT IS THIS?!” And throwing my statement down and I think twice aha it’s almost as effective as the Dr. Now fridge magnet (please google it ahaha 😹)

[@chrisazzy]

Caleb has basically created "Spenders Anonymous" and those of us with spending issues are here for a virtual meeting ❤

[@moniquegibbs6053]

Wow! I have found my tribe. I literally listen to videos as proxy for myself

[@chrisazzy]

​@@moniquegibbs6053we will get through this and to the promise land together ❤

[@Studio23Media]

Yes, these videos really help me. I still slip up, but I'm doing much better financially than I was 6 months ago. And I cut up my credit cards, and removed them from my phone.

[@prchix]

😂😂 Well Said

[@MichelletheJay]

I didn't even realize I was using these videos this way lmao

[@nomadic_orthodox]

She lives at home, goes to a relatively cheap school and has almost no expenses. How in hell could she end up with so much debt?!

[@gnarl12]

Spending

[@zachz699]

*squeaking* HOW EVEN POSSIBLYYY 😭😭😩

[@zachz699]

*squeaking* HOW EVEN POSSIBLYYY 😭😭😩

[@ObserveJeremiah]

Or how is she even on this show. What a joke.

[@corablah9809]

I mean, she doesn't seem that smart

[@DMGoggins]

I love that she showed up with a Stanley mug.

[@zacharyzimmerman2101]

Not gonna lie. Seeing it in the background just makes me think *this is an encapsulation of the world right now. A 20 year old borrowing twice what she needs to go to community college showing up to a personal finance interview with a $40 water bottle*

[@eccentricfeminine]

You know damn well she’s on internet she don’t pay for 😂❤

[@JediFight]

And has 6 pets. Lord help us. Definitely a democrat.

[@JediFight]

@user-zg9st8ox3m if you don’t know, you’re a democrat

[@bigpynk]

@@JediFight Bringing up people’s possible political party is your argument? For a cup? I wish I could afford this level of stupidity.

[@alexpietsch7997]

Caleb on Iced coffee hour: Nobody watches all 3 episodes a week. Where my fellow nobodies at?

[@colour-play]

Here!

[@imreallyjustaghost]

Bro I listen to this all the time 😂 if he did a show everyday I'd be in heaven

[@Jess-yb6uq]

Here.

[@LJKNIGHTDIVER]

I just found this channel last week and binge watched like 20 episodes 😂 I watch like every spare minute I get.

[@jamesvandehey9236]

I watch this like it's tv. I started like 2 to 3 weeks ago and am 7 months deep 🤣

[@Toomanydogs23]

Caleb, I just watched your interview with Graham and Jack and they said you should think about cutting back to get more views. I just want you to know that there are so many of us who look forward to your releases every Monday, Wednesday, and Friday. Please don't cut the number of episodes per week!

[@midwestmack785]

If Caleb starts focusing on views over the mission I'll stop watching. 3 a week is what keeps us going.

[@husky8204]

@@midwestmack785yeah…focusing on views never works out. Once you start seeing everyone as a number you start to plummet your channel pretty fast.

[@wealldostupidstuff]

I get so excited to watch your videos while I work or while I’m at the gym! I definitely watch all three videos even if they are as painful as this one.

[@iwillargue]

Frfr! DO NOT cut back Caleb 🥹

[@applefarm6126]

@@midwestmack785I think he does. He launched Taquitos merch. He launches merch about someone’s bad financial decision?

[@amaliatorres6761]

This channel has helped me so much since i first discovered you on tiktok in August. i only had $2,000 of debt but i only made a little over 10k for the year. i paid it off immediately and finally realized when i was making my budget i loved doing the math and planning out my pay off dates to the point i went back to school for accounting and am now working for a trucking company as an admin. assistant for 37k a year. thank you so much!

[@mrscourtneyward]

Great Job!!!

[@muezzus2626]

Woohoo! That's awesome :D

[@deirdrekiely6187]

How did you live on $10k? Did you live with your parents?

[@amaliatorres6761]

@@deirdrekiely6187 yes i was going to school for cyber security and working at home depot part time

[@L0wSkiller]

​@@deirdrekiely6187I'm curious as to how he's able to live off of 37k a year.... Must be living with a family member, or the cheapest area in the US 😂

[@savvagecabbage23]

Credit to her for getting ahead of her financial situation this young. There have been plenty of guests who are 15, 20, 30 years her senior trying to get it together.

[@caramelcoffees]

she's a great example of why financial education should come before an individual is able to take on their own debts. it's really crazy to me how easily people fall into these situations simply for the crime of not knowing. she's sweet and seems to be on a career path - I really hope the best for her.

[@crypticutopia7228]

I 100000% agree. I have no idea why this isn't taught in schools. I was fortunate enough to have parents who are extremely financially literate and taught me well from a young age, but so many people's parents don't teach them anything.

[@4Tankmp]

Can literally walk kids through basic micro-economics and they'll say you didn't teach them anything. 7 years from leaving high school ran into a guy trying to balance his life we talked about these kinds of things and I could remember filling out a worksheet our teacher gave us in HS Econ that was covering all these things! This also comes from a home school education that never bothered.

[@furlosifurfox5794]

But then the government and corporations cant make money off of stupid people

[@Fairygirl27.]

Well that’s the goal get them young and dumb to put them in life long debt

[@pikalove8201]

@@4Tankmpnot every high school has an economics class, I think that’s the problem. And it depends on the type too, I took economics in college and it had nothing to do with personal finance

[@MagicalFishy]

Guys, I am FINALLY about to pay off all of my debt at the end of the month. It’s been a 6 year grind, but here we are! Huge shoutout to Caleb and the team for helping keep us all on track! 😊

[@33rdstreetknits]

Amazeballs dude!!! ❤❤❤❤❤ proud of you!

[@Fromros]

Great job

[@Beserious795]

Congratulations!!!! I love finding these stories in the comments!!! ❤🎉

[@yoloswaggins2161]

Grats bro

[@mlsasd6494]

Sending late internet cookies

[@kylietaylor396]

“I think we’re okay with a little bit of hair in 2024, new year new hair” 💀💀🤣🤣

[@evelynavila6224]

That was so funny 😂

[@jessbalizado4392]

i loved this line 😂❤

[@zypher1990]

I’m rooting for her. She’s soooo young but she just got a lot of decent information. She can turn this around AND I hope she shares what she learns along the way w/ her family.

[@mediocrespiderlad9078]

Definitely, it sounds like she has a family that would probably help her out with this faster since she said they don't know.

[@charlie__kelly3690]

​@mediocrespiderlad9078 that would assure that she does it again.

[@tasha12389]

Anytime I think about using my credit card, I watch a financial audit episode so I can hear Caleb scream “You are not a credit card person!” So far, I’ve paid off about $3500 of credit card debt and I’m not stopping till it’s done. Thank you Caleb!

[@thishappycrafter272]

👏👏👏

[@victorblas3483]

I wish I had that Caleb Hammer voice ten years ago! I am also on the way to pay off credit card debt, one down l last year and hoping to tackle four more this year!

[@3rdsidetriangle]

Congrats!!! I've paid 6k in credit card debit. I'm so happy to hear other people are getting hold of their debt.

[@KarlOlofsson]

"What are you doooooiiiing!????" 😅 I only use debit now, can't remember last I had a credit card. Never really had an issue but it was annoying to remember to clear the balance. Better to just see whatever you have and are able to spend lol.

[@anotherhairlessapewithanop7455]

I don't get why people use a credit card and don't pay it off in the first place

[@nikki__west]

Caleb is getting a lot of parental practice with these younger guests. The fact that she’s on the show she is already ahead of where I was at this age. I have hope for her!

[@savannahweinstein879]

Right. She is clearly acknowledging she has a problem and is young enough to easily change things. ((Although I do think that of most guests and I end up saddened by the follow-up))

[@nikki__west]

@@0Ciju0that’s fair. I personally got a different vibe from her.

[@TonyCox1351]

@@0Ciju0well as someone who actually has watched the episode, there’s zero indication that this girl is here for clout, and plenty of evidence that she was raised with very little instruction in life - financial or otherwise.

[@tposeuntilww3153]

Not really

[@mannya_realtor]

I’m sure she’s going to be fine - I have confidence. Even Caleb acknowledged that when he was her age he was making all the same mistakes.

[@mya5582]

Ain’t no way they got her on a 2016 Santa Fe for $20K over 100K miles THIS YEAR 🤦‍♂️ that salesman’s a thief POS. She should have gotten that out the door for her 12.

[@cnh7262]

For real lol. If it was a Honda or Toyota I’d understand, RIP to the Santa Fe though

[@andresjarrin425]

Damn, i just bought one 147k miles for like 8 grand. They definitely took advantage of her.

[@JustinTadlock]

In 2020, I got a 2017 Hyundai Santa Fe Sport with 60K miles for $15K. She definitely got screwed on the car.

[@xavierhugstable2678]

That boy hit the money dance when she left lmfao I need to be a slime ball car salesman

[@floki_vt]

Did the car inflated prices due to chip/used car shortages even out?

[@la6136]

This girl is a sweet person I just think she doesn't have anyone who is financially responsible in her life to help her or guide her.

[@amoose8439]

Agree, her parents even seem great other than telling her to take as many loans as she could

[@Roger-mw9el]

These excuses are getting old lol. While my parents were nice people they were horrible examples of finances, in fact most of my family were. I would see what they did and knew that wasn’t going to be my life, so I did the opposite. Now my wife and I own our own house that is half a million and have $15K saved for my two year old daughter. We can sit here and pity ourselves for not having a great financial role model or look at our up bringing or environment and make a better life for ourselves. This girl just seems lazy.

[@la6136]

@@Roger-mw9el Ok good for you. This is not about you. Most people are doing bad financially because they had no one to teach them it is a fact. Assuming what you said is even true, you are the exception to the rule not the norm.

[@amp2193]

If you're bad at something or just simply interested in learning something for fun or to better yourself. Google/KZbin it. Endless amount of info out there. Use your phone as a tool to learn not just be entertained and doom scrolling. Their are no excuses but laziness.

[@charlim2479]

I agree. It's hard to understand the value of money if it was never taught to you. At least she's learning now.

[@sierrasantel5792]

I want to go on Caleb’s show so badly but our finances are so boring. My husband and I go to get coffee once a week together and a couple weeks ago we picked this new place that had white coffee. It was $18.50 for 2 coffees ☠️ I immediately thought of Caleb and what he would say 😂

[@ColorMyWorld250]

lmaoooo was the white coffee even good? i ordered one a couple months ago and it was.... not what i wanted when i woke up to get coffee

[@sheradonmyers1382]

I hear him screaming "Taquitos" when I buy dumb stuff. 🤣

[@nnvng]

Wait a few months before going so he doesn't pick on you for getting $20 coffee 😂😂

[@0h5nap55]

Oh same! My SO tells me we wouldn't be good content because we're pretty on top of everything.

[@JawnLouis]

Very good episode she seems like a good kid and wants too learn I prefer episodes like this over people who just want KZbin attention.

[@billyoherron9437]

Sadly the KZbin attention people get Caleb the most views

[@cheyenne7022]

Just finished the Iced Coffee Hour, pleaaaaaase stay at 3 times a week! 😭I watch every episode and never feel that its too much! I dont know how I would get through the work week without this show! 🖤

[@RCIB]

This is the only channel I watch that I know what days and time the videos drop and I watch every one pretty much as soon as they drop. This is the only channel that I watch immediately no matter what. These videos definitely get me through the week and I don't know what I'd do if he went down to one video, I think I'd manage with two, but I love the three a week.

[@Terranicolec12]

i’m literally on the page waiting for the videos to drop😂 they get me through my job

[@crystalwimperis]

Same!

[@amp2193]

The same way you did before you started watching? Some ppl might say you need therapy for that codependency you've developed....

[@Oceanproud]

I felt the same way when they were talking about it!

[@Frooglemo2142]

In debt but still buying that Stanley 😂

[@CalebHammer]

Always hahaha

[@GGHarvey]

First thing I noticed 😅

[@talyahr3302]

She definitely gives off the vibes of being a classic ditz. She has the brain of a plastic barbie.

[@johnsmom3532]

Yes!! I saw that! At least it wasn't the Valentines Day edition.😂

[@jjvalles7]

And the newest iphone

[@HabitualMender5]

Almost a year later , and every time when a guest is asked about their income it’s never a clear cut answer .

[@Laurenasmity]

I watched a podcast where a lady did not even look at her paychecks, later realized the IRS was garnishing her wages. 🤦🏾‍♀️

[@danchare]

Eh, plenty of guests have a clear answer on income. There's been a streak of like 5 episodes where they haven't though to be fair.

[@TheMisternyan]

I mean, that's kinda the underlying problem, right? That's partly how they get in so much trouble in the first place.

[@ResellingScores]

I own/pay taxes on two small businesses. Who knows what I'll make next week. How hard do I want to work? Will one of my kids have a doctor's appointment I'll have to take them or watch my other kids while my wife takes them? Lots of factors to determine full time income.

[@KP-ov3mg]

6 minutes in, and she mentioned being home schooled and feeling like that impacted her responsibility and drive. As someone who was home schooled, i actually REALLY resonated with this. I was home schooled until 7th grade and realllllyyyy struggled with this type of stuff too. I eventually dropped out of school (due to a lot of factors, but i think general neglect from my parents was a contributor). I got my GED, and I'm in a career i love now in corporate learning. But wow, was it a struggle to get here. In a lot of ways, shame was what drove me to do better. For years, i was so ashamed of my lack of education and career. You can overcome these types of things and develop these skills you're supposed to build up as a kid/teen. I think it just requires drive and the ability to imagine a better future for yourself.

[@elizabethwagner6516]

I am sorry that was your experience homeschooling. We homeschool and try very hard to help our kids be ready to be on their own in the world! I have 2 in community college and they are cash flowing it and are doing great so far! I do see homeschoolers who kind of give up on their kids and it is sad.

[@hettygreen1488]

We homeschooled all k-12 and our kids paid their way through community college with no debt. They also paid for their own cars, etc. Structure and discipline is taught and learned from the parents.

[@powmod]

I feel you. Sometimes our parents don't want for us to struggle but it just ends up killing our drive.

[@dtskdtsk8599]

Maybe you’re just genetically weak. Lack of adaptability and accountability isn’t the fault of your environment.

[@riverdaletales8457]

Sounds like excuses, that’s why yall be broke and in debt

[@asdax8311]

Delivery apps are zero-sum games for both drivers and customers. The only winners are the apps themselves.

[@cellophanezombie5621]

​@GuidoSalami1 Customers pay wild fees that are arbitrarily dished out by the companies, for food (and probably other goods) the price point is inflated beyond sticker to pass the store's cost to be listed onto the customer & for drivers, the wear & tear, gas & higher tax rate usually work out to a very meager wage. Meanwhile Uber, DoorDash, etc. win without any risk

[@asdax8311]

​@GuidoSalami1the same one million people who tweet "EAT THE RICH!" while ordering off these apps.

[@amp2193]

Na, you can make good money if you're in a decent market with a decent car for it and are willing to work. I was averaging $28 an hour doing Uber Eats and and $34 doing UberX after gas. Just got to be self motivated and don't drive a car that's got high maintenance cost. Did it after my regular job and on weekends to pay for a wedding.

[@spacegoat_3d801]

@@asdax8311hahaha

[@Hablahblahblah]

It’s only Zero sum for the driver if they drive an expensive car or have overly expensive insurance. With a cheap but reliable car, and a good driving record for decent insurance rates. You can make decent money in the right areas

[@411y5un]

She’s like night and day compared to Araceli even though they’re in a similar demographic She will do well in life, good for her for coming on the show!

[@kakishisfriend1126]

Which one is that?

[@cami5173]

@@kakishisfriend1126girl from two episodes ago, sticking her tongue out in the thumbnail

[@titoramone4398]

She will not do well in life lmao keep coping

[@oneofthechampagnes5482]

Shout out to Caleb's editors. I wish I knew their names but the team he has built is incredible. The moment the pop ups started I didn't want to look away and miss any of the editing 😂

[@lindajohnson.]

The editing is great, some vlogging channels have so many cuts.😢

[@jadehendrix]

Absolutely loving the new speedy flash of Taquitos Spending going at calebspeed across the screen 😂

[@libnoscenti]

This was so satisfying

[@Missmandy_3]

Literally been binging your show for the last month and have a plan to tackle all my high interest debt AND build my emergency savings account in the next year! I’ve never buckled down on my finances before and I’m so excited to see what life looks like on the other side. Thanks for inspiring your audience!!

[@BrandonWestfall]

Stop overusing "literally"

[@slimdiddyj5969]

@BrandonWestfall Literally, who cares? Their word choice literally does not affect your life at all​.

[@slimdiddyj5969]

Good luck! You've got this!

[@BrandonWestfall]

@@slimdiddyj5969 It does enough for you to comment.

[@cheershiii965]

Abigail, if you read this, i want you to know i genuinely believe in you!!! You got this. You deserve to have a good life, and you have to go get it!!! Ask your therapist if you can make a plan for your future together. Think about what makes you happy, like being around your pets!! Eating your favorites foods! Travelling places you want to see! If you make a list of the things you like doing, you can create a life for yourself in the future where you can do all of that and be free of worries. Caleb gave you a scary scenerio for you to realize what will happen if you continue doing what you've done in the past, so now you have something to run from! Just make sure you have something to aim for too!!! You're going to be a succes story!! You can absolutely do this❤

[@turtles7940]

Caleb’s uploads make my week. Thank you for everything you do for the community. You’re such a kind soul and we need more people like you. 🧡

[@CalebHammer]

Thank YOU

[@pianotnt]

@@CalebHammer man I only have a little over 194.00 in credit card debt I pay above the minimum and soon when I get my tax refund I'm paying it off right now I just finished pharmacy technician training and getting an externship and hope it leads to a job but for money I'm doing poshmark and handing out free prescription cards for money but I havent spent much money I went to a community college after my sister's death in april last year didn't have student debt the course was 181 dollars paid cash then paid cash for the books which was 260 although i was short the points I needed to pass to sit for the ptcb i did an online course at North Carolina A&T that i just finished and passed Nelnet had a payment plan i used that

[@janeandrews1790]

She should consider Work Study at her college, there are also on campus jobs. She needs to talk to her advisor or trusted instructor to explore all options open to her. If her program requires electives, she should take a class in Financial Literacy.

[@tdgdbs1]

Work Study pays next to nothing.

[@claytonschmidt3618]

But you can find work study jobs that pretty much let you do homework and get paid

[@wellknown1204]

@@claytonschmidt3618 that's true, librarians, front desk person and lots sitting around work study jobs!

[@janeandrews1790]

Whoever homeschooled her left out some vital aspects of learning to live in the world.

[@kaythegardener]

She sounds like a good example of the results of reactionary homeschooling parents that think they know more about learning from K-12 than professionals!! That's what taxpayers' dollars are for!! @@janeandrews1790

[@ADhammer]

My advice to students: find a job where you can study. I had a desk job during Uni that allowed me to study 95% of the shift. It helped tremendously!

[@rabuie]

49:03 this is a nice moment. She probably hasn’t been told she is capable of more, she probably hasn’t heard she can be financially secure, she’s never been asked what her goals are or what she pictures for her future, but also, how will she achieve those things.

[@kaitlynshelp2872]

Caleb, your ability to balance confrontation with support is a skill many therapists take years to master, speaking as a supervisor and therapist myself. I think you would have a lovely second career in mental health if you ever felt a calling that way.

[@msmariapaula23]

That part 💯

[@TH-eb5ro]

I agree that he would be good in a mental health field.

[@deirdrekiely6187]

As someone who has been to a few therapists, I can personally say too many of them just sit back, take notes and have no deep interest in their patient's lives.

[@kaitlynshelp2872]

@@deirdrekiely6187 I’m sorry! Not all therapists are created equal. It’s more than just listening.

[@milhouse7145]

Don't think he can handle the pay cut

[@mithicash1444]

What irritated me most about this is the fact she pays microsoft subscription. This is a peak example of how lazy my generation is. Every single accredited college has the basic microsoft suite available through their school. There is no reason whatsoever to be paying a monthly sub to "save my essays"

[@Sar-ahG]

Get a usb

[@BigTomInTheBasement]

or even use libre office to avoid the cost altogether forever. It works fine for most people unless they need the high end features.

[@kakishisfriend1126]

I still use my mine but I graduated long ago 😅

[@leahmcdermott4189]

What’s wrong with paying for a Microsoft subscription? I pay for it and don’t regret it at all. I used excel for all my spreadsheets and monthly budgeting, and I use Word for my CV, work documents and studying/upskilling for work. All through uni I payed too, as I did not get it for free. I wouldn’t say it’s a frivolous expense. What does this have to do with laziness? 🤔

[@gregwoll05]

@@leahmcdermott4189Why not use the free Google Workspace. It has all of the same capabilities as Office but free. It is a frivolous expense when there is a free option.

[@crinos7532]

Time for my girlfriend to be irritated for an hr and me glued to the tv 🤣 gotta love the audits

[@k20z3keith7]

She's irritated because she needs to hear it? 😅😅

[@CalebHammer]

Hahaha I love that

[@Rossatron6]

That’s how every Monday is for me.

[@Rach948]

Lol 😂 my spouse heard caleb listing off someones bank account and was like wtf are you watching😅 I told him that this guy is the reason I read ours out loud like an auctioneer for the first time last month ahaha

[@raisin5886]

get a new girlfriend, mine loves watching caleb hammer with me, it's become a ritual now.

[@mayernation]

Can't believe you went from 100K Subs to soon 1M Subs in one year! Shows you that people want to get better at managing money since the economy is struggling a little bit right now. Thank you for being a normal person to relate too and doesn't go buy flashy things and a mansion just down to earth good person! Congrats on 1M Subs I know you will hit that soon!

[@TheStrongestPoolBoy]

I quit spending $6 a day on energy drinks because of you Caleb! I realized it was stupid even though it felt so little it added up a lot and now things don’t get tight as often

[@thisguyphuxx6264]

I really do applaud the people that come on this show. But in all reality it’s so nice to watch these with a couple beers and realize your financial status isn’t terrible. Hope the best for this individual, as I know finances can be hard if not understood. I love your content Caleb, it’s helped me a lot

[@aquillathomas4382]

I had a dream that Caleb was yelling at me because of debt and now I’ve paid off my student loans …. THANKS CALEB!!! Emergency fund here I come lol

[@Beltron3030]

He really does speak to most of us when he's railing his guests haha

[@BornToBeEmerican]

Haha I had a dream that I was on a date with him and at the end, he praised my financial situation 😅😅 thankfully no yelling.

[@trillneato9040]

That's huge dude, congrats! Keep going

[@Ian-of9oi]

I often dream about Caleb but I fall asleep watching these videos

[@dedalliance1]

@@BornToBeEmerican Well he is single... turn your dreams into reality.

[@riseuprxns]

What I hear from her and have from the get go is generational poverty mentality. No one ever learned finances and no one has ever cared to do so. The mindset is transferred to the next generation who (typically) vigorously procreate and propagate future poverty mentality. And the cycle rinses and repeats every 20 years. I see and hear it almost daily in my clinic when patients tell me about their financial woes. She is the prototypical person I see in that situation. Hope she breaks the cycle

[@3nduser]

I thought I was irresponsible till I saw these people. But it still makes me wanna budget more. Good new channel. Hope your channels grows more. You’re like the Dr. Phill of financial audits 😂

[@Amanda-xx7sj]

Oh god, don’t do Caleb dirty like that. Dr. Phil is a hack.

[@mandaJt]

I'd say more like the Gordon Ramsey of financial audits.

[@EtherBunny-z7k]

The more of these episodes I watch the more I realize how lucky I was that my high school required seniors to take an economics class that included personal finance. I really hope she learns from this and is able to make some changes.

[@JustOnePageAway]

That’s awesome, what state was that in?

[@EtherBunny-z7k]

Wisconsin, I’m sure it varies district to district though.

[@JustOnePageAway]

@@EtherBunny-z7k well that was awesome. I wish more high schools offered that to their students.

[@reginamawii]

No frl in MD a financial literacy class was a requirement. Thank God

[@robbinova]

I made her same mistake and took the money for college which was more than I needed to complete it. I didn't understand what it meant to have it and got into $48000 in student loan debt so I understand where she's coming from for taking the money but man I would have done things so different if I knew then what I knew now. Luckily I'm done paying it off but that's money that could have been put into savings.

[@matthewdaniel9152]

The new graphics do not go unnoticed! Nice new additions and changes to the show!🙌🏾 Hope the ear infection heals up.

[@LeFriendBandit]

Is this table arrangement going to be permanent? I want Caleb back over on the right :( Right Caleb or riot

[@hiteshadhikari]

You know he does it repeatedly because it triggers people into commenting and gives him more reach right?

[@Username0467]

This is actually the original side. Fun fact.

[@aliecarey]

​@@Username0467 yep OG side 😂

[@amoose8439]

2:05 When I was graduating high school about twenty years ago the student loan people kept harassing me to sign up for as many as I could. They told me I could use them to pay for school and books...and housing. And cars. And computers and clothes and food and anything else I could dream of it was my free money. Thankfully I took none out and went to the local JC for a few years instead. Predatory loans.

[@wattoucheng]

Same for me: when I went to college 10 years ago, I already had some money set aside from waiting tables and doing odd jobs here and there. When I got to college I also started a paid-internship during the afternoon and a job at a local real estate company at evenings to supplement my income during the weekends/holidays. I was offered loans several times; the interest rates were atrocious though and I never took one. Ultimately, I managed to get a degree in Law debt-free.

[@Ayami861]

They sure were. I took a small loan for a CNA program course and was able to pay it off in 6 months. This was a path to nursing, after 2 years I knew I wasn't going to go into the medical field. So I decided to enlist to get a paycheck and the GI Bill for when I was ready to go to school.

[@turtleanton6539]

Ye😊

[@Deeptunester]

As long as people continue to see loans as "free money" instead of a liability, then these predatory practices will continue to work unfortunately.

[@zenko4187]

Both feeling better and worse about my finances. These videos are definitely giving me pause every time I think about toquitos.

[@timwong8557]

We need Caleb as a GPS voice. Imagine him yelling at us when we make a wrong turn and then he gets more irritated when we keep missing the next drive step

[@talyahr3302]

She's not working 20 hours a week Caleb. It was an inaccurate guess on her part.

[@abbyvanleeuwen7449]

Love seeing updates in the channel and studio. Just a potential note: The new rolling text for purchases is very quick, difficult to read, and kind of makes me dizzy because Caleb is so quick to roll through the b.s. charges

[@imCurveee]

Pretty sure that's the point. The speed of the quick transitions is supposed to be overwhelming and dizzying, to show how overwhelming and extensive the amount of BS spending is.

[@TheFuentesFam]

“ how many hours do you think you’re working “ Dave Ramsey: NOT ENOUGH

[@AurelioRodriguez1]

I just went back to school for my masters degree. I didn't get offered any financial aid other than student loans. Thankfully I was able to pay for this semester out of pocket without having to touch them. But I can see how young and naive students can hit accept on $12K for student loans in a semester. Makes me so upset how easy the government makes it for people to fall into debt.

[@Madchris8828]

What's crazy is that the government money lent out is taxpayer money too, so everyone loses when people don't pay it back. Its a pretty stupid and predatory system imo

[@ThatGuy-nv7cx]

The problem is the normalization of the 12k for a semester. If you mix in community college and then 1 year at a state school, you shouldn’t be paying more than 20k (and that’s before financial aid or scholarships) for a bachelors degree, which is extremely easy to make in 4 years of summer jobs/part time jobs. Unless you’re going to a Harvard or Yale level college, every college is essentially the same when it comes to employers.

[@CM-zl8iu]

@@ThatGuy-nv7cxI would even go as far to say that Harvard and Yale are the same as any other college. What are they really offering that other colleges do not? Just because you went there doesn’t mean you will be a great employee.

[@gidramom]

I may be old-fashioned, but I am strongly against credit cards for college students and those younger. It's too easy for them to accumulate debt through interest, and in the worst case, incur late fees. Learning budgeting skills is best achieved by living with cash. If you desire something, it's better to work for it and earn it rather than relying on credit cards.

[@deirdrekiely6187]

Agree 100%. These kids have no clue how to handle credit.

[@b.4571]

I get it... but at the same time, college students wouldn't be approved for an apartment when they move out if they don't have any credit. Having a credit score is a necessity.

[@BrandonWestfall]

It's simple. Don't spend money you don't have. People love making excuses.

[@SixthSenseSynesthete]

The Stanley cup in the back tells me everything I need to know

[@chuchi9935]

Right I saw it too and just knew

[@charly44ish]

I went to TCCs south campus for my first two years of schooling. Some of the best teachers I’ve ever had

[@CheatingZubat]

You know what? For being so young, she's got a really awesome perspective on HERSELF. She may tell herself otherwise, but clearly she has the drive. It's just not taken hold yet. Being aware is usually one of the most difficult steps. And she's clearly aware.

[@primepossum6997]

Drive took me years to learn - this girl will be fine even if it's a little slow

[@EgaTehPro]

I believe in her. She seems like a great person who just fell in too deep.

[@Youre-Welcome]

She wasn't so bright for having her $50 Stanley mug right there...we know that was on a credit card

[@chaseluinstra2901]

Money isn’t even real to her. Life is just a video game to some people until reality hits them like a freight train.

[@mckenziechurch8860]

I worked throughout college, part and full time (part time during school, full time over summers), went to a cheap uni and took no loans. Its possible. Its HARD, it sucks, but its possible.

[@lindajohnson.]

My husband worked full time and it took 8 years going to school at night, we paid for it. No loans.

[@FortressoftheSea]

Kinda feel like Caleb was a little harsh on Abigail at the end, but maybe that's just trying to give tough love. To me, she just feels extremely young, inexperienced, and has a pretty weird sounding family dynamic that probably doesn't promote a lot of financial knowledge. But she's here and thinking about this so early despite all of that, which I feel puts her ahead of so many other guests. I know at this age, I was pretty dumbstruck by all the numbers flying around and didn't really understand jack about finances. I was far lazier than her and luckily had circumstances that didn't leave me in debt, but I think if Abigail gets her mind in the right place she could knock this out of the park!

[@darkfafnir4389]

Wow I don't think I was ever this oblivious to life in my entire life...that family failed her and set her up for failure

[@Hablahblahblah]

This is the situation for wayyyyy too many people. And the newer generations are even worse.. literally everyone just wants to be an influencer, none of them have any clue what real life is like when their parents are financially supporting them

[@queenseabee8113]

This episode is just like, you know, like...lipsmack, like... you know. She talks like a valley girl teenager!!! It was driving me nuts!!!

[@MonicaMitchell-x2k]

She’s kind of got a Betty Boop thing going on. I hope she gets motivated to pay her bills and to improve her life.

[@mjungle773]

What I love about Caleb’s work is he puts finances and budgets into real life. Often it is looked at as a piece of paper in a utopian world. Then he holds people accountable and comes up with solutions that work in reality

[@emgem568]

She seems very sweet, I hope she can turn things around for herself!

[@adammizell6227]

Her parents are not in the financial picture. If it was possible, I don't think I would encourage her to bring them in because of the bad habits they are going to bring with them. This young lady was told to take money she didn't need because it was available.

[@milhouse7145]

I had to keep reminding myself how young she was because it was driving me nuts he inattentiveness to where her money is going and even coming. Luckily time is on her side but I worry going to school is going to put her in such a hole she may spend the rest of her life digging out of it. Hope Im wrong.

[@ThisMissK]

Video editor is doing an excellent job! Love to see this update. It's unfortunate young adults don't have good role models at home. I watched my dad do a written budget every month. Also the down side to this gig work economy is the idea that you only need to work when you need the money. New Year, new hair! And maybe throw a pic in of that fit f***! Love you, Caleb 💚

[@Plumpquail]

I still have student loans to tackle when I’m out of school but I paid off all my consumer debt and have a one month E fund AND just opened my first real retirement account. Thanks so much Caleb.

[@suzykennedy3559]

I can highly recommend talking a year off between her school now and dental hygiene to clean the slate. You student loans usually stay in deferral, the debts gone, have a semester saved up. Then go back, work part time to live and save for the next semester. It puts things back 1 year but in the grand scheme of her life it will lead to such a higher quality of life. I was in a similar place after college and it took 3 years to pay the debt and then I cash flowed university.

[@Th3Think3r]

Using student loans to live when it isn't necessary is all too common. I know people who have used them for vacations and tattoos. That is one reason why people do not want to forgive student loans.

[@raeorion]

Being a dental hygienist is actually a great career path, my sister did it and she adopted her sons and bought a home, despite being a millennial 😅💕 you can do it girl! You're still a kid, but at least you're going to the right people for advice now!

[@TonyCox1351]

I agree it’s a good career path for her, but she needs to learn some work ethic first. Sounds like this girl has never really applied herself at anything or excelled in her life. She needs to take a year off school, work her ass off at a regular job, feel what it feels like to have a schedule and responsibilities and to be dependable, and then once you have that foundation go back to school and pursue a real career. At least that’s my .02 cents

[@raeorion]

@@TonyCox1351 I think that could work but I think if she can follow Caleb's advice and finish school while she works her ass off at a job I think she's going to be a lot better off. Luckily, her school is incredibly cheap and dental hygiene is a very short program. I think she can do both, especially since she's not paying rent right now. It really seemed like she genuinely had never been confronted with the numbers. No adult in her life has ever sat down with her and had a conversation like the one that she had. I hesitate to be too ambitious with anyone just because it's SO rare that anyone takes advice and makes those changes in their own, but I want to hold out hope because I saw that emotion in her reactions, she was willing to take accountability, I think she can do, she just has to take the steps 🥲

[@Thumbstickgamer]

All I had to do was see the Stanley and I knew what this was going to be.

[@CalebHammer]

😅😅😅

[@rdavidsmith]

These seem to be getting worse. The person claims financial distress but they're literally not even working. How can you help someone who's refusing to work then wondering why they don't have any money?

[@IAmebAdger]

She changed real quick to agreeing to work in this ep tho. Hope she's not quick to change back, but with those mental issues idk

[@blackdiopside5261]

I notice a lot of these people being self aware of their habits but then act like that's enough. Like when a child lies etc and then tells the truth and expects to be absolved for it.

[@evantaft7843]

I can’t do the ones without an income anymore. Why come on the show? YOU HAVE NO INCOME . You can’t make a budget without knowing your income

[@courtneysmeall3932]

Not sure if this is something you would be interested in, but an idea: everytime caleb swears, a dollar is put into a fund and at the end of the year, the money is given to charity? 😂 Just a fun thought.

[@janeandrews1790]

If I had that many dollars…

[@j.jsmallz912]

I feel like he’s starting to prioritize train wrecks who won’t actually get their life together and are on here for clicks than actual people who are drowning in debt who need help. Once in a while a personality like this is ok. But this is like three in row he’s had a person on who has no business being on this show. This chick is making 480 a month. Why is she on here? She’s not even working. Like what are you auditing?

[@amp2193]

It's become the Jerry Springer of finance shows. Jerry's show was quite successful so I see why it's going that way.

[@sourdoughsavant22]

I agree, like I actually want to see progress. I feel like the track record of this show isn't actually helping the participants. Sure, some of the audience seems to be making better choices in these comments but if I was struggling financially and watch the people who were in my income bracket, I would feel like my situation is impossible. Its frustrating for sure....

[@rissa8428]

Very self aware. For starting to help herself before things gets worse is very admirable. I wish her the best she can do it!!!

[@Behonkcé]

Self aware? Americans must have a very different meaning for the word , she's bone idle and clueless trying to coast through life on someone else's dime

[@richhands5269]

My three favorite channels: Caleb Hammer, Stock Brotha, & How Money Works. Make my week complete! 🔥 🔥 🔥

[@blahimbored13]

Petition to see Caleb’s “young sexy” photos: ✋✋✋

[@ChrisFluhnoy]

The mistakes she’s making are so bad but so common. A good handful of people I know from college did the same thing she did - routinely took out student loans for fun money. They’d also take out loans every year from our university tech shops to buy the latest Macbooks, iPads, and other electronics because they didn’t have to start paying on those loans until after we graduated. It’s sad how many young adults are mislead into thinking loans are like free money. The only good thing is most of them will learn from those mistakes and wont pass on the same misinformation to their kids, and a quarter of them will learn the right information and pass it on.

[@keemankeelam1660]

Can you have more adults on show? Modern day person doesnt become adult til late 20s , early 30s it seem.

[@pauldilworth8390]

Your video titles get better and better. Thanks for the entertainment Caleb and crew!

[@CalebHammer]

And thanks for your support!

[@ItsDallasVang]

Caleb!!! Road to gold!!!!!!I believe it and you deserve it.

[@mssophiad03]

Here we are!

[@vidowatcher91]

This is a freaking top notch A+ thumbnail

[@ssance]

Idk if I’m biased because I was homeschooled too but I believe in her, idk I can sense a fire in her and I hope she can harness it and prove celeb wrong

[@socalpamicakes7977]

Yes! I homeschooled one son and he graduated from a D1 University, Black Belt, worked/works full time. It’s a choice.

[@primeministersinister625]

Caleb, I enjoy watching these absolute catastrophes of human beings every once in a while, but you gotta get more people who actually take themselves and their finances seriously. Every guest this year has been a responsibility avoiding narcissist, it's getting rather frustrating.

[@NothingBetterToWatch]

Forreal. How about some of these people who keep commenting on his videos about how they turned their life around due to his content.. go on the show and provide proof to encourage everyone else?

[@bigtik5233]

His KZbin channel is a business. He’s trying to maximize viewership. It would be a HELL of a lot more boring if someone like me went on and he wouldn’t be able to criticize much

[@neycongjuico7395]

I’d really love this. To see realistic takes on people’s finances and see how they are actually living and their mindset and reasonings for what they do. It’s good to learn from people who are on the same path. But people who are on the same path are maybe more reluctant to go on the show? Idk.

[@Nireni]

1:07 This is one of the reasons I love this channel. Caleb looks at the signs, not just the finances. This girl has so much anxiety about how much money she's bringing in that her body is reacting even if she's trying to be calm about it. I've been there, trying to open about situations were you might have lost a job, or you don't know how to take the next step to get out of a hole is HARD! Good on her for taking a step towards getting help and good on Caleb for helping guide so many of us. 13:38 Omg she's only 20? Good on her for getting help early! My parents never guided me on finances even when I asked so I was financially illiterate in my early twenties and it was a hard lesson. I understand why she may seem blasé about bills coming in now, because if your parents never talk to you or share what types of things you should be doing, it's hard to figure out a schedule and keep yourself in routine. Especially if she doesn't have a typical job were she's given some structure.

[@talyahr3302]

$12k down payment on a depreciating car thats making her less than Minimum wage 😭 While using student loans to finance her life. Couldve put half that to a used car and the other half towards school. Her mom helped her put that down payment down so obviously she didnt get good money lessons growing up because there wasnt any to give.

[@smarty2068]

This guest is by far and away the most self aware I've seen. She knows there is an issue she just isn't sure how to address it. No major excuses, just admits she fucked up

[@susanknoth5982]

For the love. 🙄 Please don’t blame homeschooling. My kids were homeschooled and they’ve worked since they were able and kept grades up at the same time. She lacks motivation. She wouldn’t have been different if public schooled.

[@JennLeeFoster]

I eye roll this every time. I was homeschooled. Graduated a year early and I’ve had a full time job since I was 17. Even if she had issues she’s now over 18. She can get her act together but it’s now on her. She needs to grow up. I don’t get how people assume someone will miraculously act different in public school. 😂

[@damonmusha6504]

And I knew boarding school Easy Coast blue-bloods when I was in college who were complete eff ups but came from very wealthy families that bailed them out of all sorts of jams. You cannot reach conclusions from just one person that’s for sure.

[@84BlueCrownvic]

She is sooooo lazy. I think that a lot of parents of this last generation did not prepare their kids for the real world at all. It’s a lot of entitlement. It’s a lot of “I don’t wanna work” and everyone grows up with TikTok and Instagram thinking that they’re just supposed to make crazy money without doing any work and just borrow money to keep up.

[@amp2193]

Social media, the new parent!

[@turtleanton6539]

Yes😊

[@turtleanton6539]

​@@amp2193peak capitalism

[@GreatClips592]

Hey Caleb please read this!! Your email in your description is incorrect!! BUNSINESS isn’t a word so it can’t be your email address!!

[@CalebHammer]

THANK YOU wow!!!

[@GreatClips592]

@@CalebHammer it’s been like that for WEEKS man glad to help!

[@ryankit92]

I can’t wait to see the Great Clips ad read now that this is cleared up 🤩

[@LunarLocust]

What if my business was a bakery that specializes in buns

[@jtap9320]

@@LunarLocusti think you might be onto something big homie 😂

[@123paramorefan]

You should bleep out her school name. There’s alot of scary creeps out here

[@hermitabby]

I think its up to the guest because in another audit he did. But I live in Fortworth, a very big city and tarrant county college has quite a few campuses across tarrant county and students in general.

[@josephhill7072]

You know I watch these everyday and I thank God I live in the middle of no where. 45 mins from the closest major city. This helps me think long and hard if I really want something like extra fancy foods or going out and spending money on extras that I don't need. And I certainly could but I dont and at the end of the day I feel so much better because I chose not to do those things, the closest I ever really get is getting a large fresh breakfast Casey's pizza at a gas station lmfao 😎.. and that last me a couple of days for Less than 20$. And I do that maybe once every couple of months. You get better satisfaction smoking meat on the smoker or burgers on the grill rather than going out to eat.

[@randomgraham4302]

Casey’s pizza is one my favorite places to splurge on.

[@heidiortiz9352]

Casey’s pizza is rural Iowa’s best food, IMO

[@BakerCFEI]

Caleb is spot on with the financial advice he doles out. VERY RARELY have I disagreed. What's missing is the tools to help his guests be successful with what they learn. Financial success is 10% "literacy" and 90% tools/mentors/resources to help build/mold/maintain behaviors. It was too heartbreaking watching the end of this episode. She clearly wants different but without help to address the behaviors that got here where she is, there's little to no hope.