Dude Is Going Into Debt To Mine Crypto | Financial Audit

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[@anda_]

Thanks for having me on! Since being on the show I’ve been building up my emergency fund and working on spending a lot less at my store 😂 the plan is in full force! Can’t wait to update everyone!

[@dreamchaser5758]

Thanks for having the courage to come on! Best of luck to you and your girlfriend 😊

[@jerrystauffer2351]

We wish you well with your shiny cardboard 🎉

[@anda_]

@@dreamchaser5758 we really appreciate it!

[@anda_]

@@jerrystauffer2351 thank you! We’re doing great so far!

[@Convosinnature]

I appreciate your vulnerability and having the strength to showcase yourself in front of many. Good luck with everything!

[@theAncientGardens]

“Shiny cardboard is an addictive hobby” -That quote should’ve been the video title. He’s honest😂

[@hockeyhalod]

It's very true. Magic took so long to stop wasting my extra cash on and put it towards savings/travel, haha.

[@theAncientGardens]

Most hobbies are like this IMO😅😂

[@ingetout]

All TCG’s are made to be addictive. It is basically a slot machine wrapped in plastic but instead of a jackpot you are trying to pull a rare card.

[@Chip_Dipless]

I had to entirely remove myself from the hobby and I still spend money updating a pauper cube. Insane hobby, Warhammer is cheaper.@@hockeyhalod

[@jloading6621]

it really is

[@rennmartin3579]

Caleb pulling a single tum out of his pocket mid audit is next level - well played sir.

[@xqwhatitdo]

legendary heartburn caused by debilitating debt

[@praga2734]

tums just raw in the pocket no wrappers just bouncing around in there

[@tawumpas]

I needs a KZbin short so we can watch it looped

[@justinthomas5512]

Yes we need the KZbin loop. Hehehe

[@greatauntlizbethg9137]

​@WealthwiseCapitalvery sneaky cutting in here. Good advertising. I will ask readers to compare to vanguard and see if the cost of servicing the Investment is comparable. Maybe someone can tell us if so fi has an investment vehicle.

[@MelissaEdwards86]

Today I paid off my car loan! MY VERY LAST DEBT!!! I am officially debt free! ❤ Thanks, Caleb Hammer, for the inspiration to get me back on track after a 4 year debt free journey.

[@Jo-lw5dm]

Congrats!

[@julieboehme7241]

Good job and congratulations!

[@samanthaw.861]

Congrats! I can’t wait until mine’s finally paid off. I’ll probably cry when my title comes in the mail lol

[@ericar.6370]

🎉🎉🎉🎉🎉 nice work!!!!

[@PrismaticPixie]

Wohooo! It’s the absolute best feeling in the world!

[@hoontar1635]

Telling your spouse she can't buy $15 worth of makeup while you're wasting money on TCGs is a wild way to start a budget.

[@guppy719]

Yeah though caleb is obviously not giving him a carboard budget.

[@StandAloneState]

She was spending his money like crazy, did you forget that? Also he came back to earth with the $200 unquestioned allowance after that.

[@andrewrehberg675]

When the $15 is mine to begin with. I’m gonna go ahead and not give that $15 to someone else before I stop buying TCG’s. Lol if anything I’ll spend it on more TCG’s

[@Sweatyhorsecock]

She’s spending HIS money.

[@Mehwhatevr]

They're in trouble. Married people divorce over financial "rifts". He's not even married yet and they already had a fight over the budget. now he goes home with this budget that I expect is more extreme than anything he proposed and fought with her about. Too bad they already started to merge their finances with the house and such because this will not end well. I wish them the best, but I don't think this is going to end well.

[@samanthaw.861]

The stones on this man to give his girlfriend/fiancee/future wife a cap on makeup spending but then spending who knows how much each month on “shiny cardboard” at his own store.

[@SpoonHurler]

I hate makeup but I completely agree with you. Her fantasy world is just as viable as his.

[@minorcadence1]

I agree! I think she doesn't have a clue what the debt means for her future. She won't be able to love her life in her 20s, she will be helping him get out of debt. No make-up, no vacations, no anything. If I were her after seeing this episode I would seriously rethink combining finances until marriage, and even then waiting until they both have a proven track record of controlling debt accumulation before getting married. This guy says 'oh I know, debt is terrible' in one breath and 'we needed new expensive pillows and $800 of cards' the next breath. His dad gives him a job and pays expenses, and he has still racked up $300k of debt in only a few years!!! I wish them the best, and hope he can change his ways.

[@julesporter9865]

As a women, let me just add a note on the make up. Yes it can be expensive and seen as non-necessary. But I think people misunderstand that makeup isn't just a "want" due to social pressures/perceptions and self confidence. If I don't wear makeup at work I get comments like I look tired, or un friendly, or "not professional". I think since it's the standard for women to wear makeup, it is expected. So it's more aligned to showering and doing your hair before work than it is to spending money on fancy clothes. So if you can budget 50$ a month on it, and have a huge impact on quality of life, and can even impact your professional career, i think it's faily neccessary. Just my thoughts based on my experience. I don't think the guest would say shampoo, toothpaste, etc. Isn't necessary.

[@dahe1352]

He is literally paying off the chase card that she is adding expenses to. He's blowing his money and she is also blowing his money.

[@MFS45]

@@julesporter9865 No offense but women constantly go on and on about how they're done conforming to society and done following the expectations yet I always here this excuse to justify buying hundreds and hundreds of dollars worth of make-up.. Put your money where your mouth is and stop caring about society wanting you to wear makeup

[@jocarson5310]

Older used pillows “are bad for your skin” But take out burgers, tacos, booze, etc are sooooo good for your health??? That logic is pure insanity.

[@rebeccashields9626]

Plus you can wash the pillow. Putting your face in a pile of bacteria is bad, yes. But just put the pillow in the washing machine on hot.

[@EB-nz1qv]

😂

[@bills1967]

tacos can be healthy

[@ering7733]

I’m confused….did he say he’s making her lunch but then he’s eating lunch out? Also, they’re bringing in almost 10k a month and yet Dad is paying for phone and gas? Come on now

[@talyahr3302]

Yeah he's a big dumb baby. Hope Caleb really helped him grow up a bit because obviously growing up with daddy's money set him back.

[@Justhumaning]

Dads company of which hes an employee, its not insane for a company to give an employee gas and phone stipend

[@NinjaSushi2]

That is what you call a giant manipulative man baby and the United States is full of them.

[@johnlatham975]

This guy's probably going to get his finances together, because he's the only person I've ever seen on this show who has written down anything that was explained. All the others nodded their heads at a 45 degree angle and the eyes glazed over.

[@amil89]

his rich daddy will bail him out, which is why he was ok with so much risk He grew up thinking that running a business was easy and is finding out that it isnt. This is typical rich kid shit. They start businesses that can't make a profit and use there own wealth to prop it up making them seem successful. I'm sure he things every poor person is choosing to be poor.

[@user-wc3ez4kw4l]

@@amil89 I'm sure you think any person with rich parents is a douche..... The envy and anger about his "easy" life and privileges compared to your own is very palpable in your comment. He is atleast trying to get his own buisness started instead of solely relying on the job his dad provided. He doesn't excuse all of his mistakes and he seems pretty genuine. You literally just hate him cause he got it easier........ bitterness won't make it easier for you.

[@110jmartin011]

@@berserk972 Dude, rich kids defend rich kids, its part of life, they have to, else they wouldn't be able to justify all their psuedo-accomplishments.

[@gdwe1831]

​@berserk972 I mean of all his faults, this seems the most sensible..its being realistic.

[@swallow1106]

@@amil89doesn’t that make you wonder either he never listen to his dad’s business advices or his dad’s business also offers bad advices. This guy basically has two business that just bleed money without substantial income. Only real, stable income he is getting is from his daddy it seems. I guess that’s one way to circumvent the yearly gift limit, hire your child and transfer fund and paying only payroll taxes while able to keep him on insurance pass age of 24. Question is… how popular is this kid at his dads work. I know I will never work for my brother’s company simply because his employees will likely make my life miserable.

[@deliode1211]

This show has beat my spending addiction by becoming my new addiction binge watching every episode

[@janeandrews1790]

This show is my addiction. And it’s FREE!

[@livinglifewithgabs5500]

SAME

[@arizarellano1555]

SAME it’s crazy how I would easily excuse my starbies. now it’s so easy to not grab a coffee for “self-care” 😅

[@jaynol4580]

Every time I watch an episode of this I pay off my credit cards a little 😂 helped me knock out $5500

[@Idkgoogleitbro]

Scares you straight

[@SherpaOfSkunk]

The ones who say their full names are actually brave as hell for admitting their mistakes.

[@papabear2515]

Or highly naive or even more likely, attention seeking.

[@joeyb5012]

He's a nepo baby he's not playing with our hand

[@tuffy11111]

Especially given his line of work. I'm sure his dad wasn't happy about it.

[@Joce123]

​@@tuffy11111mabe..maybe not

[@kara8911]

Oh my goodness. “She goes overboard on makeup spending” says the man who spent like $600 in his own store and then they spend constantly on food out and he makes her a lunch which is sweet but he’s just looking at her spending and ignoring the fact that he spends whatever whenever. He needs the advice I tell my kids all the time “worry about yourself first”. It’s a total pot, kettle situation.

[@estherbjerga523]

I thought that was funny “I’m limiting you to $200 a month while I spend $700 in one go on my hobby” 😂 like okay bro He seems like he’ll get it together though.

[@blingman78]

Lol, she ran up $8K on the new credit card, so she spends what she wants but the girl math doesn't want to acknowledge this 😂

[@kara8911]

@@blingman78 can we stop the “girl math” thing. It’s incredibly condescending. Clearly they both have massive spending problems.

[@zzz-gw2xb]

@@kara8911 we literally made it girly

[@HaggisMuncher-69-420]

@@kara8911 So you're moving the goal posts now? You wanted to talk about his spending problems but once someone brought up the facts, you realised the math wasn't mathing and you pulled your feminism card. GTFO

[@DevanConrad]

Seems they opened a shop more to buy cards cheaper directly from the suppliers. 😄

[@mothh]

It was most likely one of the reasons if not the sole one

[@marcelmartinez972]

Yeah. Personally. I would never pay my son that much money per month. Unitll he was married or had a child. Sure give him more benefits but 6500 a month. No way

[@jayh40515]

This guy makes about 3x more a month than myself and he's broke. So many financial illiterate people in this country. Shocking to me everytime I watch one of these episodes.

[@dreamchaser5758]

You can't outwork poor nutrition with exercise. Same deal in the personal finance space. Income doesn't overcome poor spending habits. I also think high income can lull you into a sense of complacency. You think my choices don't matter because I get thousands of dollars next month. Like you, I was astounded when I saw couples with $300K annual income still struggling. White collar people also fraternize with white collar friends and the peer pressure is there chasing the appearance of wealth as opposed to really building it

[@Anon_Fox]

Lifestyle inflation. People think that making more money justifies stupid spending but that’s far from the truth. Take advantage of that extra income and grow it. Hell if I had that much extra money I’d be maxing out my 401k and “gambling” on high profit index funds

[@jack073]

@@dreamchaser5758 As the old saying goes, abs are made in the kitchen - not in the gym. To the same extent, you're not going to outwork a bad spending habit.

[@dreamchaser5758]

@@jack073 I love that saying! Hadn't heard that. Might post on my fridge

[@tuffy11111]

What's wild is that he's not even someone I'd consider financially illiterate. He works for his dad's accounting firm, so he should have the financial knowledge. It feels like he got wrapped up too much in reading through MTGFinance on reddit or crypto forums or something and thought he'd be able to blow up and get rich quick. Frankly I'm surprised that he's on here with his employment line as it could be a big way to scare away clients if they see this.

[@noradurst5317]

Not a fan of how he talks about his girlfriend. “I got her into therapy,” “I gave her a spending allowance but makeup isn’t a need.” I’d be careful about continuing to merge finances with this guy.

[@CaosBoyCathian]

Stay alone. Not a fan of how you think you get to comment about someone’s relationship based on a few sentences.

[@noradurst5317]

@@CaosBoyCathian just making an observation based on his language. I’ll happily “stay alone,” whatever that means 😂

[@jeffredfern3744]

He wears shirts that show off his chest hair... it goes with territory.

[@mikailadavies3906]

talked her into the credit card too

[@purpurina5663]

@@CaosBoyCathianplease, YT comments are precisely about going off what we see on the video. And the og commenter precisely said "not a fan of" those phrases. No one is saying he's a sociopath

[@OhSnapItsMaddyB]

This guy was so respectful and willing to own up to his mistakes and take notes :D Rooting for him!

[@lindamccomish1806]

As a local to the city his store is in and frequent it him and the other owner are great people. One of the best game stores in town also hope for their success!

[@nicka3017]

He's also just good on camera. At points, it seems like he's the co-host of the show

[@murkyturkey5238]

@@nicka3017he does have that demeanor 😂 reminds me of mr beast for some reason

[@maurice2014]

Literally means nothing because it can all go up in flames. Being nice and a great guy doesn’t pay the bills.

[@ducciwucci]

@@maurice2014 no one asked, maurice.

[@LordZaryn12]

Interviewee: "I tried really hard to buckle down and work on my budget but..." Caleb: "Ha, you've activated my trap card."

[@Zimzum93]

38:38

[@Mehwhatevr]

given his propensity to buy Trading Cards, that's perfect.😂

[@unterschichtblog]

After the financial audit, someone needs to do a shirt-button-audit on him.

[@bodybong]

I say unbutton one more

[@novainfinity487]

​@@bodybongoooh we got a greedy boi

[@bryancasey7740]

🤣

[@CoveringFish]

@@novainfinity487why stop at one

[@bsrhoad]

Or a razor

[@BalloonFight]

When I heard that his girlfriend is on the loan of his house with him, I had to pause and walk around contemplating how bad of an idea that was.

[@haute03]

same lol

[@CptInsano835]

Truly sounds like a kid who grew up under the wings of his father and just doesn't feel the risks he is taking because he never felt real consequences.

[@natecus4926]

I would love if you added up the total amount of interest that has been charged across all the accounts and see their reaction. It’s crazy how much is being taken from peoples’ accounts without them even realizing it.

[@peacejoylove8542]

Caleb would probably need something much stronger than tums if he did that 😂

[@Rolienolie34]

I personally see like a random buck fifty of interest or a service charge and its like foghorn goes off.

[@Karmascandids]

These audits in the middle of the day help me not buy lunch at work 😂

[@Iceisthegoat]

Is it really that hard? I haven’t ate lunch at work in 3 years, I’ll eat when I get home..

[@Karmascandids]

@@IceisthegoatNot hard but when I'm in a rush in the morning I sometimes forget food and it feels easier to order instead lol but good for you!

[@MylesHSG]

​@@IceisthegoatI'm lucky, where I work I have to bring my own food. Guys that work in another location down the road are always ordering Uber eats

[@helena3631]

This

[@alexpietsch7997]

Say it with me: They pay you. You don't pay them.

[@s.k4471]

This kid is really lucky to have a daddy that owns a business because he is really all over the place.

[@qmaineotcg]

insufferable is the word

[@burkles4456]

@@qmaineotcghe wasn’t rude or cocky, he was honest…. What rubbed you the wrong way? Was it that his life is easier than yours

[@qmaineotcg]

@@burkles4456 what alludes to his life being easy? He has no money. He goes off on tangents instead of answering questions. Just rambles about nothing. The host was clearly annoyed as well so I’m not far off.Still love this pod tho it’s great 😂

[@murkyturkey5238]

@@qmaineotcgno he did pretty good compared to all the others on his show 😂 he knows he screwed up he just needs to straighten up a little

[@Rdsxfn]

Damn dude, he’s lucky to have that, but doesn’t rub it in or brag about it. Yet you have to knock him down, does that make you feel better? Chill.

[@itshibba9693]

Spends thousands on cards but won’t give his girlfriend $200 and both finances are combined is so wild and so controlling. She should stop this ASAP

[@mexicano01100]

She's using a credit card where she spent 8000 dollars on it just this year or did i misunderstood lol

[@somethingawesome1462]

@@mexicano01100no your right. Making payments without seeing what she’s buying isn’t controlling, it’s idiotic

[@IAmebAdger]

Pretty sure he mentioned giving her 200 USD no questions asked or did I hear that wrong? Of course at some point above 200 questions should be asked, and so equality dictates that she should be asking him questions about the cards too. It's only healthy to keep asking each other questions by the way, I don't mean it as a negative thing. People here are always so fond of being negative and unconstructive.

[@Seelenverheizer]

the crazy part is that those cards are actual investments often beeing able to beat the market if they are high value cards.

[@codyseamons5314]

Just saved up to my 1 month emergency fund! Thank you Caleb for giving me the motivation to stick to my no BS budget!

[@dreamchaser5758]

Congratulations 🎉. That's one of my goals as well

[@pinkyblessed2218]

Good for you both! That’s huge!

[@tuffy11111]

Way to crush it dude

[@lindajohnson.]

Good for you.😊

[@k20z3keith7]

Good job Cody, keep going. I only started this year but have 8k in my savings. 200 a week religiously

[@Venom89062]

This guy is concerned about his girlfriend's spending on make-up while he blows hundreds a month on card games. Insanity.

[@M_SC]

Makes her a lunch while he still goes out to eat

[@blingman78]

​@@M_SCLet's her spend $8K on a credit card and doesn't even know what the purchases are

[@HaggisMuncher-69-420]

@@blingman78 I know girls like this. She's leaving him when she realises the gravy train is broken.

[@barney9stinson]

He needs to include in the budget some top buttons for his shirt.

[@lindsaymarie4416]

Him saying make up isn't necessary but spends hundreds on cards himself, is totally unfair. I hope he realizes that.

[@IAmebAdger]

Yes, but please stop for a moment and think about where this line of thought is headed. We don't wanna end up in a situation where ppl equate both make up and cards to unnecessary spending. Cards are unnecessary, make up is necessary up to a reasonable level, those are the stances we need to end up with.

[@mistsofbabylon]

​@@IAmebAdgerI think you just restated the OP's point.

[@IAmebAdger]

@@mistsofbabylon In theory there's nothing wrong with restating something for clarity and emphasis. However I did make an additional point about two kinds of conclusions that OPs line of thought could end up with and I stated which one I think we should lean towards.

[@mistsofbabylon]

@@IAmebAdger the problem is when you restate someone's point by saying "yes, but stop for a moment and think...." as though you are about to introduce an alternative line if thinking and schooling the OP on her rationale. Everything you said was already implicit in the OP's post. If you didn't pick up on it, that's a separate issue.

[@IAmebAdger]

​@@mistsofbabylon "as though you are about to [unhelpful and arrogant behaviour]" That's not a given from my wording, but I don't blame you for expecting me to be toxic and patronising, seeing how that's par for the course with commenters on social media. I see no value in 'dunking' on people or 'schooling'. It's much more constructive to write either fully supportive posts or supportive posts that contain an element of caution, which is what I did.

[@JamesFenczik]

PRO TIP - buying "thousands of dollars of gear" isn't going to make you a successful streamer.

[@bromine35]

You will get swole though.

[@jogandsp]

TENS of thousands of dollars!

[@Cesar-pq2ck]

Yup. I make videos on the side, as a paid hobby. I used my iPhone for years and got paid. Barely last year I spent $3000 cash for my first professional gear. It’s nice to know that the gear belongs to me and not the credit card company.

[@teddylabuff4125]

Didn't he say that the gear for streaming was only a couple thousand dollars though? And that the rest was for the failed crypto mining?

[@Thefluffytutu]

@@bromine35How will streaming gear get him Swole? I believe he’s talking about the streaming gear. Not the gym equipment he bought.

[@dajackhammer525]

I just love when rich daddy boys have zero concern in the world about racking up $20k in business debt on a business that makes virtually nothing. Must be nice

[@haute03]

The fact that he seems fairly chill about charging personal stuff (i.e., his crypto BS) to his business card is wild to me. I really hope his accountant (aka his dad) didn't write that off as a business expense...

[@parkerm.2631]

@@haute03it is by definition a business expense. Why would he not write it off.

[@lostboi3974]

A zombie business

[@lucasalbano231]

I am SO glad he brought up a “no questions asked” fund. My wife and I have one, it changes month to month based on our situation and other expenses but it makes our lives a lot easier if I can just write off X amount as already spent and she can use it for whatever she wants without worrying what I will think. Plus, it’s exhausting trying to keep up with every little purchase. “Why did you buy this?” “Are you really gonna use this?” It’s all about balance!

[@glitterstarbeau]

As long as there is no debt, everyone needs a miscellaneous fund

[@TonyCox1351]

Agreed on this. Once we’ve paid all our needs, rent gas insurance food investments savings etc, im blowing every last penny afterwards. Gotta live a little!

[@elcapitanmorgan556]

Yep. When we got married and took Dave Ramsey’s class- it was post-debt encouraged to have a, basically, “husband fun money” and “wife fun money” where you account for the purchases to ensure you don’t go over budget, but the content of what is purchased has no limits.

[@SamuelDantowitz]

This is a really great example of how having higher income doesn't necessarily solve debt problems. Lifestyle inflation is one of the most dangerous parts of American consumerism. Great work on this one, Caleb!

[@kattttt9585]

dang my husband and i make about the same monthly income (with no debt), and our “no questions asked” money is only $75. apparently i should be negotiating higher!!

[@ohhhlorrd]

This guy has an NPR voice and needs to find a way to monetize that

[@kristinefriend7344]

Was looking for this comment! Thought this within the first 2 seconds

[@homeschoolwinner]

Yes he kind of sounds like Will Arnet

[@TechieLynn]

Ok it's not just me. I'm literally mesmerized by his voice lol

[@annieway35]

He should start an ASMR channel literally talking about anything 😂😂

[@Nemanjaftn]

100%

[@WinterIsWelcome]

I’m so glad Caleb mentioned how risky it is to go into anything legally binding (like a house) with someone you aren’t legally bonded to (aka marriage). Be careful who you choose to share finances with, peeps. It’s all fun and games until you find out how irresponsible with money that person is and now you’re going down with them. Also, if you’re dating and you’re living together, talk about finances and how you will pay the bills BEFORE you move in together!

[@chrisstroud1915]

Why is it more risky to share finances or jointly own a house with someone you aren't married to vs someone you are married to? It seems like you're saying the problem is getting into joint anything with someone financially irresponsible but I don't see how being married makes that less risky? If anything you're even more bound to them.

[@WinterIsWelcome]

@@chrisstroud1915 When you’re married you have community property together. Community property laws can protect both parties from a huge financial loss if they divorce. No such laws exist when you’re unmarried, own a home together and have now ended the relationship.

[@taxcitybagtalk]

​@chrisstroud1915 why do it wrong when you can do it right. We have PLENTY of examples to go off of 💯

[@smashedphone4200]

​@@chrisstroud1915Because when you are married and then get divorced, only the assets from the day of the marriage to the day of divorce will be split. If you aren't married and just do that with anyone, it will be a mess for the courts to figure out who gets what and who is responsible for what.

[@Wongo150]

-Caleb: “you don’t have anything invested do you?” -Interviewee: “About $1100 dollars” -Caleb: “So you have nothing invested” 😂🤣

[@lostboi3974]

I loved that dig 😂

[@Seelenverheizer]

his cards are actual investments that he likely could liquidate and they would beat the market

[@dillin16]

Your upload schedule is amazing…I barely have time to impulse purchase anything before I can watch another reminder episode for why I can’t impulse purchase - THANK YOU CALEB!❤

[@rest0re871]

This is so true lol

[@Ms.W35]

TRUTH 🙌

[@PrismaticPixie]

Haha yes!!!!

[@shannonsampson3267]

I love a guest who can handle all of Caleb's personality.

[@joshuas1513]

The fact that he is a business consultant is ironic lol

[@joycef8443]

Yeah, I wouldn’t hire him or his employer ( daddy). Before I could be hired as a business manager for an accountancy firm , I had to pass a credit check. I wonder how this dude would do?

[@greatauntlizbethg9137]

Perhaps he doesn't do any if the consulting and is something in the office.

[@wenonahdenbigh9508]

I have been married 15 years. My husband and I have separate bank accounts. It is not for everyone but it works for us. With all the bills paid and no one racking up any debt, if one of us buys something, no one questions the other, unless it is a big purchase. It saves on a lot of fights in the marriage. I think couples nickel and diming each other brings a lot of strain to the relationship. Again, that’s just me. There are a lot of ways people run relationships.

[@jonny-b4954]

Yeah thats weird as hell haha. You're supposed to operate as one. United.

[@maurice2014]

Nope you’re doing it wrong. “But that’s just me 🤡 “

[@jrdPalacios]

You are doing it right. Same.

[@justinbolster5406]

30years together and this is a working method. We split responsibilities, share expenses and in today’s banking environment it is good not to have all your finances in one bank. My feelings. If one chooses to spend they should not have to feel as if they have to defend there decisions with there income .

[@triswilsful]

We combine finances, but we are both good with money and generally on the same page, so there are no fights. I wouldn't even consider marrying someone who's bad with money.

[@demonslayer9772]

This guy and the other yugioh addict from your previous audit would make really good roommates.

[@GoldenMonarch88]

At least Yugioh for the most part is a physical product. Now crypto on the other hand…

[@harmacist1010]

bold to assume they can afford a room to begin with

[@kathryn_alife]

His girlfriend should really be in the room. I can imagine him going home being like, "honey we need to talk" she hears the news that for two years she doesn't get to touch her own income outside of $100/month and then learns that he likely won't propose for at least two years (I didn't hear any comment about budgeting for a ring other than him saying it was a 'him problem' for why they aren't engaged now - so my guess would be ring money) and that a wedding definitely won't be happening outside a courthouse (unless family assists financially) and she may be less than excited. This is why combining finances like this is dangerous pre-marriage.

[@janeandrews1790]

He does not need to go into debt for a ring. Buy something small and beautiful (maybe vintage) for cash. After he’s out of debt, maybe get her something really special for their fifth anniversary. The wedding should be low key too. It doesn’t have to be a huge theatrical production. Hell, it could be in their backyard and the reception could be a cookout with friends and family and music. It’s more about the people than the costumes and props.

[@TidalsWave]

I had the same thought! I am a little concerned for them because his (seeming) hesitancy on proposing + insanely strict budget + potential feelings of money being controlled = a bad situation and a messy breakup. She’s 22. I wouldn’t blame her for running.

[@SpoonHurler]

He could go on a magical journey to a mountain of doom to find a ring... you don't know his plans guys!

[@KitKat10281]

Honestly, I'd run from this situation as a 22-year old too. Although I agree, you don't need to finance a super-expensive engagement ring or huge wedding, but if she's always had her "princess day" wedding in mind, this may be a deal breaker.

[@Lisa-vb3gn]

Neither can run because they bought a house together. Have little equity. Selling a house is expensive. Do Not Ever go into joint debt with someone you have no legal recourse against. It’s absolutely insane. I used to be a loan officer at a bank working with second mortgages. It is unbelievable how often this absolutely kills people’s finances.

[@michaelfinch510]

Running a business, making purchases for yourself from the business and then paying w2 out of those proceeds is like the opposite of tax avoidance. This man is dedicated to paying the maximum tax possible.

[@jamiegallupe9875]

Thanks Caleb! Saved up for business taxes, paid off credit card, 2 month emergency fund, Roth IRA funded. Staring in the eyes of a scary student loan but feel more secure having these priorities taken care of! You’re awesome! Thanks to the guests so we can learn from them! 🎉

[@tinyhaydes]

Hell yeah!!!

[@mlsasd6494]

good job

[@tvgreign9882]

Telling her she can't buy makeup is a bold strategy

[@janeandrews1790]

Not going to work.

[@SpoonHurler]

Let's see how it turns out, Cotton!

[@la6136]

He sounds like a waste of time to marry. When Caleb asked if they were engaged he chuckled and said that is a me thing not a her thing. Um what?

[@anousenic]

@@la6136 One would hope marriage to be more of an "us/our" thing, not a "me" thing from either side. But reality is often disappointing, I guess.

[@melc900]

​@@anousenicHe meant that it's a "me" thing as in he's the reason they're not engaged yet.

[@maddmethod5880]

Im not a fan of saying interest was "stolen" from these folks because I feel like it it minimizes accountability. I always view interest as lighting money on fire. so to me, its more like "you lit $275 on fire this month"

[@kmchugh8273]

Agree. At least if you eat out you get some sustenance from it. I think he is using the credit cards for points.

[@M_SC]

Good point. However the interest rates are literally illegally high in other countries that care more about their citizens than capitalists. So, under the law of those countries, they literally illegally took the money from you. Which is stealing. Anything more than 12% interest is immoral. It’s morally if not legally stealing from you. Still you have to obey the laws. But try to get them changed as well, they are not inevitably like that. It’s whatever the people decide.

[@IAmebAdger]

I think Caleb means it as you're stealing money from your future self, so you'll be poorer in the future. At least I'm pretty sure he wants it to include a lot of accountability.

[@magicdragon9621]

@@M_SC Yeah I think the American people wouldn't benefit from more policy on credit card companies. If not that, then our tax dollars should be providing education on fiscal responsibility because many parents (especially from low socioeconomic situations), don't have the knowledge and/or time to teach it. I took out loans to go to college and ended up not being able to finish school because I couldn't get enough to finish (3 years and couldn't afford the last). You get a lot of scholarships that first year or two, but it gets harder to obtain them as you go on. I fucked myself not being able to get a degree and being saddled with debt. On top of that, at our orientation the college let multiple credit card companies and banks set up booths to sign us up as fresh 18 year olds. Shit is so predatory.

[@jfr1995]

I personally don't think interest is lighting money on fire in all cases. Sometimes, a bit of 'money now' can be useful / important compared to 'money later' and, if it's a reasonable rate, you are paying for the privilege of accessing it early. Of course its problematic if you mistreat it or get taken advantage of, but paying a little bit of interest isn't always a bad thing.

[@myaharvey296]

if i opened yt and my boss was on financial audit, i’d find a new job

[@BK-tz4jn]

I’m going through a breakup so my rent doubled and me and the partner moved from Saint Louis to central Oregon together so I’m on my own when it comes to family and friends and stuff like that currently. I was always dumb with money and lived week to week since I was 17 and with the partner, 19 now. And in the past few months after finding your channel I’ve managed to put $3000 in an emergency fund. And my car just broke down and I really just want to thank you caleb. Your channel saved me

[@Bigf4tgg]

Dude is single handedly funding his card shop

[@redslate]

Sounds like a good racket for a tax write-off (if they were _at_ _all_ smart about it).

[@Ojisan642]

Funny how he caused all these problems on his own but when it comes to solving them, suddenly it’s “we” with his girlfriend. 🤦🏻‍♂️

[@blingman78]

He caused the $8K in credit card debt that is in his girlfriend's name?

[@dreamchaser5758]

Caleb, please post a video of you paying off that furniture per the guidance in both your audits, with The Money Guys and Graham. I would love to see that 😂

[@wied]

Nah, he's 100% in the right. 0% is 0%.

[@bryguy1811]

@@wiedbut it’s the principle of it all. KISS.

[@wied]

@@bryguy1811The principle of a 0% loan is always take it. Even in his SoFi account, that $20k borrowed could turn into $500. Or he could pay it off immediately & get $0. Some people need simple. Not all of us do.

[@griff1860]

Starting to watch these has really made me reevaluate what I’m doing in my own life. Still a long way to go. Thank you Caleb!

[@sarahperricone9171]

He's not a credit card person, but he's not a trading card person either...

[@KnigelD]

This guy would have trouble managing a business card😂

[@Obregon-]

I like how you can look at the guests he has on and immediately know that they blew some of there money on crypto or memestocks before they even start talking

[@kyotodreams3306]

😂😂

[@DEPUTYGETSOME]

Imagine running a credit card that charges the business a fee as an owner and charges you interest as the consumer. Literally taking it up both ends at the same time.

[@CATDABOSS]

It's crazy to me that people don't talk to their serious SOs more regularly about money. My wife and I talk about our credit cards almost daily. We look over all out checking and credit cards weekly to make sure we are on budget and we look at our whole financial situation every month to see if we are on track, behind or can make additional payments.

[@somethingawesome1462]

The fact the merged their finances without being married and consulting each others situations is very concerning.

[@joseveliz218]

It’s easily overlooked dude. As a 30 somethin year old I would never again get in a serious relationship with someone that doesn’t have the same financial mindset. I was married to someone and we never talked money and how we should spend and plan it. It’s not exactly taught and some learn the hard way.

[@chaudx]

@@somethingawesome1462 IDK to me would be a major Red Flag to not talk about finances before merging.

[@ThomulusP]

"Not McDouble, make double" is a good meme

[@dreamchaser5758]

Good idea alert 🚨💡

[@Ericbomb]

Man I wish I could have a job at my dad's consulting firm.

[@papabear2515]

Be glad you’re not. It’s a perfect “stay a baby” situation.

[@NotMalikScott]

@@papabear2515I don’t care about staying a baby; I need a 6500 a month income.

[@lot2196]

​Yes, he's a child. Major problem with young adult men of today.

[@jamesjacksonsr]

This guy has never heard the saying “don’t get high off your own supply” 😭

[@mad_like_a_hatter5469]

She’s 22, this man’s going to get through her cards, part of his 2nd one and the relationship implodes from resentment, no marriage proposal but all the commitment and paying his debts off.

[@triswilsful]

That's why you don't combine finances before you're married

[@suzykennedy3559]

These audits motivate me to do my budget…. I do it every month but I had to move twice in 3 weeks so this month I’m afraid to know the numbers

[@CalebHammer]

But you gotta look!

[@thebosshouse]

Ignoring the numbers won't make them better. You can do it! 💜

[@DTAP17]

You moved twice in 3 weeks? You're a trainwreck!

[@ChargedWords]

Ignoring numbers doesn't make the change, it changes your position on what you can/can't afford. You're going to have a look at some point and it may as well be now before you go blind spending!

[@anon3263]

They're numbers and you'll get back on on track!! You have the tools to better your situation. Good luck ❤

[@frugalgradstudent28]

I talk to people about credit card debt and they think “it’s a women” and have a stereotyped idea of who’s in debt- I love how you have a lot of different men (and women) and the diversity of people on this channel lately in credit card debt- shows that consumer debt does not discriminate!!!

[@The_Man_Welding]

True it does not discriminate, but the overwhelming majority of both Consumer and student debt is held by women.

[@ericar.6370]

@@The_Man_WeldingInteresting! I did not know this!

[@anon3263]

​@The_Man_Welding I wonder if this is because of the pay gap?? Or maybe the amount of products we consume??

[@ad2094]

​@mastershake8944where are these stats from lol. Looking at Experian's 2020 report, the average credit card balance of men and women has a difference of less than 200 dollars. The Federal Reserve has a "FEDS Notes" post from 2018 that goes into detail on the available data and analysis on what variables could be statistically significant.

[@LoisoPondohva]

​@@anon3263 "pay gap", yeah.

[@MtnDewWarrior]

Honestly it's crazy how many people need interventions to know they shouldn't spend money on a card that has 8k on it that they can't pay

[@Emily-le2op]

One trade will never make you but one trade can always break you ! Great Content.These are very valuable rules for anybody who wants to get rich. Renewed buying strength in markets in September and October. I want to invest more than $300k, but I'm not sure on how to mitigate risk

[@KingDavid-jj7tk]

it's all hype! best to ignore the trend at the moment whether bullish or bearish, and stick to a proper trading plan preferably with expertise assistance.

[@Emily-le2op]

my partner’s been considering going the same route, could you share more info please on the advisor that guides you

[@jogandsp]

​@@Emily-le2opstay far away from crypto

[@karlandjeff]

@@jogandsp​​⁠​⁠​⁠this thread is all bots trying to scam people. They are on every finance channel on KZbin

[@Labrli]

Love seeing these guys episodes throughout the week. Makes my day a little brighter. Great stuff too! 😀

[@BrookieCookie]

Did Caleb just pull a loose Tum from his pocket?? 😂

[@wied]

You don't carry around Pocket Tums?

[@binglebongle8601]

Dude needs to button at least one more button.

[@CallHerCassie]

Preferably 2

[@hardkore360]

​@@CallHerCassiethe stuff you gals focus on makes me laugh, I'll be watching an action movie with the wifey and she will focus on random stuff on certain scenes 😂😂😂😂😂 cracks me up everytime! I do it to her on chick flicks too just for funsies 🤣🤣

[@josephmother2659]

@@hardkore360what do you mean by this?

[@josephmother2659]

as opposed to men who spend more money than they have on trading cards, because every man clearly does that

[@binglebongle8601]

@@hardkore360 I'm the op and I'm a dude

[@KitKat10281]

Hope she's ok with only getting $100 a month of her own paychecks! At 22, I'd be seeing these all as bright red flags! I hope she's on board with this all, and he's not just using her for help getting out of debt.

[@KitKat10281]

@SaturatedCat no, not at all. It just sounds like her dreams (which, I am making possibly-incorrect assumptions on, I know) may be getting put on hold (ring, wedding, honeymoon, etc...again, a lot of assumptions, I know) and at 22, that may be a deal-breaker

[@KitKat10281]

@SaturatedCat also, please dont get me wrong, I don't mean this guy IS a red flag - he seems like a good guy, I hope they can stick to the budget, get out of debt and live happily ever after and I wish them the very best - I'm just cynical and suspicious in my old age I guess 😆 I more meant that IF she's hoping for a big ring, lavish wedding and luxury honeymoon anytime real soon, without any help, that she MIGHT see these as red flags. Again, I was making some generous assumptions

[@KitKat10281]

@SaturatedCat honestly, I had a massive, very expensive wedding at 20 years old 😳 (my extended family is HUGE and my dad wanted to invite EVERYONE, and he paid, sooo...) and while it was a fairytale day, looking back, it wasn't worth it. I got remarried 2 years ago, had a courthouse wedding and an inexpensive ring and it was perfect! 🥰 Best of luck to you with your big day!!

[@KitKat10281]

@@SaturatedCat you as well! 😀

[@jeeeeeb]

Expensive ring and big wedding all sounds like a waste.

[@ryanelliott9651]

I can relate on the card hobby. I need to sell and liquidate so I don't get caught holding the bag. That is the name of the game with sports cards. Caleb, you honestly can do an entire series on sports card/TCG people. The hobby is insanely inflated and filled with scammers. Shine the spotlight on it!

[@amara560]

For sure! Pokémon as a kid, Goddess Story last year. Pull rate was horrible though, so I stopped it, but it can be very addictive😅

[@AndrewMorgan]

I’m waiting decades before I bust out and sell my sealed collection 😅

[@ryanelliott9651]

@@AndrewMorgan but why? You know how much 1990's card are worth right? If they are modern sealed.. those cards are being over produced MORE than the 1990's. The market will eventually catch up.

[@zacknelson8918]

I went to an estate sale, the family said to sell everything, there was about 5k old pokemon cards english and Japanese from the 90s-early 00s i gpt the whole lot for 200$ and i have about 10k from those cards if i sold right now, but i am going hold onto them

[@Freerunemem]

​@@zacknelson8918Those cards are only worth what someone is willing to pay for it. Most of the people willing to spend that much on cards are trying to flip them for a profit, not collect them. I am not going to tell you to sell, but ask yourself if that stack of cards is bringing you more happiness then 10k would.

[@NickP16]

Another Wednesday another video can’t wait Keep up the great work, Caleb!

[@nicklepickle1587]

He is single handedly keeping his shop open and running at a profit. 😂

[@tylermolnar]

even worse he only gets 30%back and his partner takes the 70 hes paying his partners salary lol

[@hliang4]

My man called "what do you do for a living?" a loaded question to start, I know I am in for a treat here.

[@DoubleJabSlipRightHand]

Your man?

[@carlsullivan11]

Caleb you're doing the good work! Keep it up!

[@rashell6673]

I really hope this guy turns it around. We believe in you!! I personally drive a 22 year old Camry and with proper maintenance it’s a great car. We are saving to pay our next used/new to us car in full. You did not need to buy new to get an awesome vehicle.

[@Amandy36]

My 1st car was a 1997 corolla I bought in 2012 for 2k. Lasted me 7yrs and had over 500k miles on it before the repairs were too expensive for me. She was a beauty. Toyotas really do last a really long time. I'm in another paid off Toyota now.

[@zackmandarino1021]

i would say it depends on the used market itself. right now 10 year old camrys with 120-150k miles are 10-15k. and frankly no car is worth that at those miles and if you have that amount cash in hand your better off buying something in the 20-25k range with 20-30k miles on it pull out low interest loan of 10-15k at 2-3 hundred a month. you will be better off in the long run because buying any car with over 100k miles is pure luck on whether it last 2 months to 10 years you just dont know. so instead of spending 10k cash on a car that may not last long enough to save 10 more thousand dollars buy something that for sure if you take care off will be paid off by the time it hits 60-80k miles.

[@Amandy36]

@@zackmandarino1021 totally true with today's market prices. I have a 2013 Camry and it's current value is 2k more than I bought it for 5 yrs ago.

[@MollyPopper]

@@zackmandarino1021 I disagree. 10 Year old Lexus's are worth that all day long and will last for alot longer too.

[@zackmandarino1021]

@@MollyPopper absolutely not there isnt a car on earth i would recommend someone pay 10k cash for at over 100k miles over buying a lease return 20-30k mile car for 20-25k. odds are you spend more on repairs in 5-6 years on that car than the cost of just borrowing 10k or even worse need a new car a year or two later and bam you wasted a dang near 50% down payment on junk. this is especially true if you drive an automatic which start to fail somewhere between 100k and 200k in most instances and cost 5-7k to replace. rule of thumb with buying a used car with high mileage never spend more than 2-5k

[@ryanra44]

I also love collecting baseball cards, which is very similar to his card addiction. It took me a couple of years to get the habit under control and get the discipline to NEVER charge cards to credit. The card hobby exploded during the pandemic and millions of people went massively in debt doing it. Then the market crashed in early 2022 and people’s cards lost 70% plus of their value. I personally know people that have lost their marriages and have had to file bankruptcy bc of cards. Now I only buy cards when I sell other ones, never use credit, and involve my wife to keep me accountable. I am surprised Caleb doesn’t get more guest that burn money in the card hobby

[@tuffy11111]

The spouse one is key for me. One of these days though I'm going to have to get the okay from them on a Goudey Ruth.

[@ryanra44]

@@tuffy11111 like my wife tells me… if you slowly safe up. You can buy whatever you want. Also, she LOVES ripping packs. So I include her in that even though I don’t rip often

[@Gdfsandoz]

Yeah i honestly lost tons of cash in the hobby have also made tons tho. Glad i got out of a lot of the worthless shit when it still have value. Im very picky about what i buy anymore. Usually its one player who i have made the most money on. But its addictive as hell. I use my credit cards for cards but usually just for the points and try to pay it off within a week or two.🎉 Takes a strong mind to have control of yourself in the hobby.

[@brownie4741]

These videos have become apart of my schedule thanks Caleb for the continued consistency keep up the good work as usual 🥳!!

[@MatthewGordonmattieboy1995]

Silent partner is the phrase I think he was looking for

[@KitKat10281]

His money speaks loud enough for him lol

[@jodeemackenzie]

I think this guys situation will improve. He seems very open to hearing how to fix his situation, hopefully he applies it!

[@WALLET_THUNDER]

I’m 18 and I love watching your videos , they are very very educational

[@Maz7006]

Yeah the card stuff is a series on its own. Love if you could do a deeper dive on it Caleb.

[@runningdebate2670]

At least this guy takes responsibility for his f ups and doesn't make up a bunch of excuses.

[@dreamchaser5758]

That was refreshing

[@whyisthissodifficult6965]

These vids are amazing, it makes you think about some of the things you do and the importance of a budget. I cut out presents for birthdays and eating out. The heck with social norms

[@curtin_]

I recently found you and because of you I looked at my finances and created a budget. I’m able to pay off my car loan in 6 months from now and start attacking my student loan debt after the car is payed off. I don’t use credit cards so I don’t have and credit card debt. Thank you so much for all you do and thank you to everyone that comes on your channel as they have helped me. I’m 23 currently and I’ll be debt free within a few years.

[@BigTummyAche]

Did anyone else get rubbed the wrong way about how he seems to easily restrict his GFs over spending on makeup but dropped $800 on cards. Overspending isn’t great on both sides but ahhh… lol 👀👀👀👀👀

[@janeandrews1790]

See, he sees value in his interests but doesn’t respect hers. How likely is her boutique mascara likely to send them into collections? A little reciprocity, my dude.

[@dreamchaser5758]

It is utterly ridiculous. Someone upthread even commented she was using him. They both are spendthrifts. Makeup is not a necessity but neither is Yu-Gi-Oh cards

[@ArtemisMaelstrom]

@6:00 I agree with Caleb! It's very risky to combine finances and being both on a mortgage before marriage. It's super risky 😱🤦‍♀️My anxiety level sky rocketed... popped a Tums.

[@adamlynch9153]

and they live together before marriage. Also not a smart move

[@siqlegit]

Me and my girlfriend bought in 2021 and still not married. It’s not risky if you do it right and I know plenty of people who’ve done it and all works out. Marriage is not required to buy a house! We’ve been together 7 years! We’ll probably get married at some point.

[@angelzashez]

And the GF is only 22 woof

[@haute03]

@@siqlegit I'm glad it's working for you and others you know right now, but legally it is a very risky decision. It can be hard to deal with the property as a couple divorcing, but when both your names are attached to the property and you're unmarried it can become an absolute nightmare because there's no protocol in place to divide the asset. I recently saw one horror story of a couple breaking up and the ex-girlfriend finding out that her former partner borrowed money against their house to start a business, so now she's on the hook for repayment of that loan despite never even being married to the guy or involved in his business. I'm not even a big proponent of marriage, but I think if you're going to start legally tying yourself to someone in that way you might as well get married and reap some of those benefits/protections.

[@shmeepea]

The absolute rage I felt when he questioned her buying make up when he spends what he spends. Leave her be!

[@maxscarblog]

Needs to budget for a couple more buttons on his shirt.

[@TheRealHyperMeltzer]

ALL of my debt finally paid off!!! Gotta build up my emergency fund and put it into a high yield savings account! 21 years old going for financial freedom!

[@Tatorrella]

Ahhhh so happy for you, especially at 21!!🎉

[@dreamchaser5758]

Impressive. Love it 😍. It will make a huge difference that you started being disciplined so young

[@MylesHSG]

Love the work Caleb

[@Blackfilmguild]

This is a cool show because you actually ask good questions.

[@Pooq45]

This guy is so lucky he works at daddy’s business.

[@listrahtes]

Yep that's what I thought. He can't be a good consultant. That has to be nepotism. If that dries up ( and imo it will) he is lost. His heart is in video and tcg and makes next to no money from it

[@franceswills4306]

His comment, "I do it cause I love her." - melted my heart.

[@Turboturtle098]

Me too, I went “awe” and you could tell it melted Caleb’s heart too haha

[@dreamchaser5758]

Caleb respects love ❤️. Super sweet

[@maximillie_61]

I would love if Caleb did a show like Ramsey where he takes calls. I have questions but dont want to go all the way to austin lol

[@TACALACA]

Weekly Livestream maybe?

[@somethingawesome1462]

If he did it in addition too. I like that people actually come in and talk.

[@wied]

I was thinking of doing a weekly twitch stream where I help those who want some direction (and can't get on Caleb's show), whether it's as simple as asking if their budget makes sense for their situation or as complicated as a full audit.

[@SnifferSock]

Taking out a quarter million dollar loan with an S/O you aren't even engaged to is WILD!

[@melissaturner1737]

I feel this. I am struggling with following the budget. My debt is no where near what people on here are at but I’ve never followed a budget and it’s rough!

[@ChrisRawls]

Keep your finances separate until marriage! Even then separate checking and conjoined savings seems to be what works best.

[@alexpietsch7997]

On what planet? Combined finances are a clear sign of combined goals and long term success

[@ChrisRawls]

On the planet where two people buy different things on a day to day basis. Savings show your long term goals not a checking. @@alexpietsch7997

[@haute03]

@@alexpietsch7997 yeaaah noo...

[@squirrel9760]

@@alexpietsch7997you can have separate bank accounts and have the same goals?

[@Lindababiie]

Caleb you should do a live and/or a q&a video so we (the audience) can ask you financial questions!

[@erlik13]

Coolest guy ever come to show, also most respectful one he’s not giving bullshit about their spendings and acknowledging what’s the way to get out from the debt. Hope you best bro

[@Chrispyy__]

I just discovered this channel 2 days ago and MAN...these videos are bonkers. All your reactions are exactly how id be reacting too if i was in your position

[@alephnaught8343]

you should see some of the OG videos, like Nov '22 to Feb '23 were peak Caleb.

[@ChiefKene]

I really enjoy the card people audits lol. The card space is wild… a lot of debt floating purchases