Ex-Facebook Employee Refuses To Grow Up | Financial Audit

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[@bellegonzalez5818]

I absolutely love your videos! Because of you I have a fully funded emergency fund and a budget that allows me to put so much into savings and still have money left over. I get so excited every MWF for your videos.

[@CalebHammer]

Wooooo! A fully funded emergency fund changes everything!

[@upnorthsociety6146]

Working towards that piece of mind

[@bellegonzalez5818]

i love you@@CalebHammer

[@evelynherrera-gonzalez1474]

@@CalebHammer Caleb you are an amazing young man! Please continue creating amazing content, inspiring others and changing lives. From a mom 3...who had to give up my nursing career to care for my children with special needs...we buckled down and are living on 1 income...comfortably in Cali :) thank you Caleb i look forward to your videos. Bless your heart!

[@jaydenherrera9306]

Congratulations!

[@sinaxs3]

Today was supposed to be sushi night watching Financial Audit with my girlfriend, that was one of the things we loved to do together. Unfortunately, she passed away in an accident recently. Today is the first Friday night that I ordered sushi again so I can watch your video. She is not with me anymore but im trying to honour her memory by doing the things we loved to do together.

[@KS0428]

This is so incredibly sad. I’m so sorry. I’m praying that y’all will meet again.

[@sinaxs3]

@@KS0428 Thank you so much.

[@troyaltypod]

I'm so sorry for your loss. I hope you find peace and comfort

[@sinaxs3]

@@troyaltypod Thank you so much.

[@thizzy8859]

​@@KS0428and fake.

[@taylorvaughan1943]

This channel saved me. It lit a fire under my butt and in the past 18 months, I have paid off 25k of credit card debt and am finally out of credit card debt entirely!!! Finally started putting money into retirement and an emergency fund and have saved 13k on top of getting out of debt! I am the sole breadwinner in a family of 4, so it can be done. I'm so grateful to this channel.

[@jennifertorres7936]

How did you accomplish it?

[@aic0809]

Congratulations!!

[@thatvalensteingirl]

Well done!

[@jeffriggs4020]

Great to hear. You certainly do have this under control now! :) Keep it up. When stumbles happen, pop back up and get back on track. Things happen but you have shown everyone you understand money / life management now and you have made your own luck. So much better than hearing, “well, I hope if this happens then that will happen”. That thought process very seldom works out and it’s just sad to see. Thank you for sharing! It gives me hope. Very little debt currently but bankruptcies (yes, plural) and bad credit is making life hard. Need to find a way to work with my spouse to get a emergency fund and retirement fortified going forward. Almost 50 and have never had a safety net in life. Lucky I guess I’m a Chef and Chefs don’t get sick or miss work ever. :) Actually teaching culinary now (last 16 years) so that greatly helped income. Still broke 50% of the month. I’ll get there. Thanks for showing me I can.

[@Frank-os6gq]

Damn, nice, what do you do for a living?

[@troyaltypod]

Thanks so much for having me on Caleb! I'm sorry to the fans if this didn't exactly scratch the audit itch, but appreciate the candid and frank conversation. I'm working to get things back on track and continue applying to jobs, I'm still in therapy and optimistic things will turn around.

[@Whatyoudexpect]

You got this Chris! Much love and wish you the best of luck!!!

[@daniellebrackett4905]

You've got an awesome personality. I'm sure wherever you decide to plug in (on-site work, gym, support groups) you'll come away with folks who'd enjoy hanging out. Like our boy Dustin Runnels says, "just keep steppin'!"

[@dolancom6185]

You seem like a great person! Best of luck!!!

[@musicart2007]

You've got a fantastic voice. I'll definitely give your podcast a try. Please know you've got people rooting for you.

[@DevHazy]

You da man

[@Cloudyconfusion]

At first I was disappointed with how Caleb handled this, how he could have called things out but didn’t say much but then I gained respect for him knowing his limits and being honest in saying that he cannot help this guy. You can’t help someone that wouldn’t be able to take any of your advice due to their mental/health situation. Caleb is rooted in that reality. Instead of trying to convince this guy to be something he’s not Caleb just says “well you know you” and that’s all you can say

[@emilyau8023]

I would prefer he'd stop with the clickbaity titles.

[@Cloudyconfusion]

@@emilyau8023 understandable. There is a tent in fire in the thumbnail which is definitely click bait😂 metrics show that fire in the thumbnail makes people more likely to click too. Smart guy but def overdone 🔥

[@DruFil-de2ng]

Almost every one on this show says mental health problems. They need to get a grip on things and just deal with life

[@valhearts6695]

I have the same anxieties and depression for work, low self esteem and shit... i took up a few promotions despite the issue, adhd and shit and barely focus and give myself more pressure than my bosses do. I tried all his methods, blowing my paychecks (i did have a retirement account which i was sane to not blow) and maxed out credit cards on games and spent all the shit to distract myself. Turned out i got more depressed living to paycheck to paycheck anxiously waiting for my next paycheck, i went back to frugal and started saving again.... its not easy but nothing much others can do. he's on the right course going to therapy but he needs to know life goes on.... he can't live in the streets or expect the goverment to have a policy to bail everyone suffering mental issues everytime...

[@courtney3540]

Damn. It sucks he blew his savings but if it made him realize life was worth living, I think this is the one time watching your videos that I feel like it was worth it.

[@evelynherrera-gonzalez1474]

I agree 👍

[@PaperbackPlanes]

Too right

[@BoBandits]

Wait,puve left 70 comments on Caleb videos, and this ONE was worth watching? Wtf have you been commenting?

[@ag4allgood]

If he had friends in his ear to talk with that would have had the same effect costing maybe nothing but a few diners out to get his head back in a good spot. Plus he still would have his Savings for Retirement. Mental health so important keeping you from going off into the deep end.

[@erick3755]

​@@BoBanditsI think she meant it is the first time in one of the videos that someone blowing money was a good thing. I don't think she mean it was the first time it was worth watching.

[@jlane03]

I got hired at McDonald's a couple months after graduating law school because that's who was hiring and I needed money. I get that it's not his ideal career but a job is a job is a job. I respect he's been through a lot, but especially when he's experienced homelessness, I don't think he can afford to say no.

[@chrishayes5755]

"a job is a job" is a poisoned mentality. you're exchanging your skills and TIME for money. time is your most valued asset. with just a few small changes you could be doubling your income. I'd suggest you make as much money as possible for your time and don't get complacent in a worthless job that anyone can do.

[@jlane03]

@@chrishayes5755 how do you suggest I get back the time I to spend reading this worthless comment?

[@rebeltango]

dude there are so many opportunities for JDs, you're selling yourself so short.

[@jlane03]

@@rebeltango I no longer work at McD's, I have an office job (though not one that my JD is necessary for), it was just an example that if I, as a recent law grad, could suck it up and work at McD's when no one else would give me an opportunity, then a dude on the verge of homelessness shouldn't think he's above it either. I don't think anyone is above working there.

[@meh4062]

​@jerikaljgdk I agree with you just to counter the other mindsets. It was a temporary job and survival is way more important than "pride". Besides you found something else now. Good luck on your career!

[@aran7teen]

I’m only 6 mins in but this guy is a great story teller. Gives all the right details, no unnecessary waffle and leaves a sense of me wanting to hear more. If he could monetise that he’d be on to a winner. I guess the mental health struggle might be an obstacle, but it could also be another factor that makes him more likeable/listenable.

[@troyaltypod]

Thanks so much! Your words are very kind.

[@OhsoWoobie]

That’s what I was thinking too!

[@kfitz192]

Not only kind, but true. Rooting for you!!!

[@ag4allgood]

Caleb was on point to get Chris involved socially to get some friends in his life.

[@alonabeck713]

He needs to be an actor. He’d be better at it than many other “actors” who come to this show 😅

[@Clevermoreunicorn]

Highly recommend getting involved in volunteering. It looks great on a resume and it’s a great way to meet people.

[@Tomcoma2832]

Thank you for being the most consistent thing in my life Caleb

[@CalebHammer]

And thank you for your support ❤️

[@DevHazy]

Fact dude

[@Kaikicm]

Yea Thomas are you doing ok?

[@tracym8952]

Caleb Hammer comment sections are a safe place you can tell us about it Thomas

[@NikoTheTurtle]

WE LOVE YOU THOMAS !

[@kaydenbrunssen4250]

Caleb this channel has been a huge motivation to me. I have no debt. I own 2 very good cars. A fully funded emergency fund. Plus saving for a 20% down payment on a house. And contributing 20% toward retirement. I want to show my son that anything is possible. I did grow up with absolutely nothing. Also have Sofi now and have signed 3 people up, and growing. Thank you Caleb!

[@lucyrosereeder15]

It's wild to me that mental health is such a factor in most people's audits. Like your financial health is almost directly tied to your mental health. Also it's concerning to me how lately so many of the audits have been people that have been homeless or are homeless now. Scary stuff.

[@alexguy96]

People dont wanna grow up and use it as an excuse. Everyones a victim

[@mst-pierrem5729]

That's why mental services needs to be far more accessible and rampant. So many, just act out un crisis or instead of.

[@hotandsour100]

Mental health is an easy excuse to use imo

[@janelleg597]

Your finances amplify who you are

[@Vaporisers]

People need to grow up

[@LifeBindeR222]

As someone who suffers with major depressive disorder I kind of understand what that therapist asked of you. They offered a more permanent solution to your depression, when you lose weight, eat healthy and exercise daily in most cases your depression gets A LOT better and you start being motivated again. Antidepressants are just a quick fix that doesn't really address the root of the problem. I tend to binge eat when I'm depressed so my weight used to be up and down all the time until I put myself on a strict diet and exercise routine that I'm not allowed to break because I've done it before and I always fall back into the same unhealthy things I did before. So be strict with yourself and don't allow your emotions to control your actions. Good luck my man.

[@edgardiaz3669]

Thank you, I had the same sentiment. The first therapist is the one that had the right approach. Too many therapist want to treat someone forever rather than helping them work themselves into a better situation

[@melc900]

@@margie909 When Caleb joked about all Millenials being on medication, I had to roll my eyes a little.

[@Julie-ip3il]

Yes! I don't agree with them refusing to treat unless he took all the dietary and lifestyle changes but they should definitely push it once he became a patient. It really helps and yes some people are too depressed to implement them but it doesn't mean it shouldn't be push alone or alongside meds which often have crappy side effects

[@BelleOmbreGrey]

Agreed, it's no different than Caleb establishing criteria for his assistance. The "asks" the therapist made seem very very sensible. How is an immediate revulsion to her prescription any other than an unhealthy reaction to self accountability?

[@brightonuprach]

Mental health follows physical health.

[@HMuny55]

Caleb you should make playlists on your channel that separate your videos into financial score brackets(0-1, 2-5,6-8, 9-10) etc so people can go and reference what a zero score/ higher score life, habits, and plan look like. [Edit] Maybe just a Better Best and Worst category

[@leri3365]

95% of people are 0-1 tho😂

[@kimberlymoriarity]

​@@leri3365That's a little unfair, 95% of the people are probably 0-3 😂

[@alexpietsch7997]

He's not had a 9-10 on Highest he's had was Jack from the Iced coffee hour who was an 8 out of 10.

[@discoveringhealthandfinanc8328]

​@@leri3365I've tried to get on the show but I'm not sure if they are looking for people who are doing somewhat ok. I would say I'm a 7 on the rating scale. I think people who are jacked up financially makes for better entertainment

[@AmbiguousAbsolute]

I think he should make age related ones brackets by decade so the ending isn't spoiled, lol.

[@mellowbirddreamer77]

A good therapist should tell you to eat better, sleep more, drink water, and work out. Those are BASIC human needs that affect mental health.

[@adaaa11]

Yeah maybe she went too far with the gluten free sugar free etc. especially for someone who’s so out of shape and unhealthy But yes my first thoughts were this guy needs to get in the gym drink mostly water and eat healthier. Getting in healthy habits and getting to a healthy physical state will do wonders for your mental health

[@emilyneumann3329]

Thank you to this guest for your raw honesty about mental health and negative self talk. His transparency and humility resonated with me and I’m sure many others. Dude, you have a magnetic personality coupled with a gift for articulated speech. Hoping all the best for this guy.

[@magicjohnsonsmagicjohnson]

Chris, if you’re reading through the comments, I just want to say that I’m glad you decided to stick around with us on this floating spherical rock. I’m rooting for you!

[@troyaltypod]

Thank you!

[@nworthem]

i agree keep pushing Chris

[@abigailwinn4700]

I started binge-watching your videos in March of this year, and decided that I would end the year with zero debts outside of my student loans. In the last 150 days of my "Debt-Free 2023" journey, I've paid off $8900 of my consumer debt! THANK YOU for being the catalyst I needed!

[@GraceTheBabbler]

Omg incredible!

[@catgrrr1]

Hey!! I’m on the same journey, except I started in May. So I’m a few months behind you.

[@taylorvaughan1943]

You should be so incredibly proud of yourself!

[@allyouneedisloveNOT]

Congratulations! That’s some serious work!

[@wugarcia23]

Just wanted to give a quick thank you to you Caleb, I finished paying my students loans as of today and I am debt free!! I always recommend your videos to my friends and coworkers because they really do open your eyes to how bad people get into debt and don’t realize it until it’s too late.

[@GraceTheBabbler]

Today!!! Omg congrats!!

[@dopeboi13yearsago9]

I work for my city's homeless service department... The stories you're helping share are amazing, please don't stop, this does so much more to help than you know

[@ChristinesSnaps]

36:10 was a crazy edit with the decor on the wall 😮😮😮

[@Dankapotamus918]

I thought I was losing my mind for a second.

[@StudioHannah]

Caleb, I moved home with my parents to save money, get out of debt, and save up an emergency fund because of your videos. I get along with my family well so it'll be ok haha - and I know I'll have another apartment of my own one day, but AFTER I HAVE AN EMERGENCY FUND! Thanks for pushing me to do something I seriously wasn't considering an option. You're great!

[@Dee0426]

I did literally the SAME THING! I paid off all my debt and managed to save for the first time since 2016.

[@berlizgonzalez6736]

Congratulations! Good luck to you! You're already doing the best you can 👏🏽

[@changetheworld759]

If you moved back home goal should be a house not an apartment.😊

[@nedtechgirl]

WOOT WOOT

[@stevejuggler]

I’m in the same boat, but I never left home!! I’m engaged now and I want to move in with my partner so bad, but our future financial stability is worth it for now. You got this!!

[@steve_darby]

Came for a financial audit… left with a therapy session. Great episode!

[@RedWolfenstein]

And nothing will change

[@bobbyrivera2951]

@@RedWolfensteinyou never know 50-50 I’ll say

[@chrishayes5755]

Caleb went super soft on the guy and handled him with kid gloves.. it reminded me of how women lie to each other - "no you're not fat, you're a queen girl" to their 500lbs friend dying of heart failure. Guy wants to run a gay podcast that is basically immature gossip to make his mark in Texas of all places 😂

[@NewscasterNews4]

@@bobbyrivera2951nah he’s not gonna change. He already has his therapist being soft and comforting him every other week, which is fair because as a single man he probably has nobody else in his life to talk to about his mental, but now he needs that polar opposite with someone getting in his face and telling him the truth. Everyone lying to him and treating him like a child is what’s gotten him in this position to begin with

[@shilohmorris5527]

I love this guy! He's very emotionally aware and intelligent. He's also easy to listen to, so I can see why he has a podcast.

[@skidcaesar]

Love what you do, Caleb. You're turning my financial life around too. Thanks.

[@CalebHammer]

YOU’RE turning your financial life around!

[@alanmccarthy4004]

This guy has a really agreeable and engaging demeanor. Refreshing to hear someone come on and just speak clearly, without a million "um"s and "like"s.

[@crystalhosannahbenjamin6477]

I really appreciate this person's candidness about his struggle with mental health. I'm sure his story will be impactful for many viewers.

[@CalebHammer]

Agreed

[@shuheihisagi6689]

Only those who have empathy or have experienced similar things will be impacted. Many viewers are given a silver spoon growing up, and have no idea how hard life can be. They call this guy "whiny".

[@joesmith3590]

@@shuheihisagi6689it doesn’t help at all. Your generation talks about it all the time and you o ly make it worse. The way to fix it is to hush up about it and work hard for 6-12 months. Watch how much less depressed you are when you stop focusing on it and stop giving it power to control you.

[@NewscasterNews4]

@@shuheihisagi6689I don’t think you understand at all what life as a man is like and it shows. No, we don’t have “empathy” for one another because we want to actually see this guy get better and sugarcoating his issues helps nothing. He desperately needs tough love before it’s too late. When his landlord comes calling asking for rent do you think he’s gonna accept the excuse that this guy is “depressed” and can’t pay? You think COVID is gonna care that he’s too anxious to eat healthy as for why he’s obese and much more at risk? It’s a cruel world out there, and when y’all pretending to be “empathetic” and to care about him now forget that he exists in a month if he doesn’t start putting in work to change things he’ll just continue on his current downward spiral

[@desireesalas5820]

​@@NewscasterNews4👍👏

[@ConversationswithNate]

Super appreciate how Caleb handles mental health and finances, especially with this guy. Love these financial audits 🔥

[@Grace-pm1vm]

I’m so glad he pulled through those dark times. I hope he’s able to pull through again. Props to you for coming on the show man ❤

[@JMidwestern]

It is hard to cook when you're depressed. At my most depressed state I tend to eat cereal or cheese popcorn when I'm by myself because its all I can get myself to do. However, I have started cooking one large thing a week that I can then just warm up for several meals. For example, a large tray of enchiladas, a large pot of chili, crockpot lasagna, beef vegetable soup. It's easier than weekly meal prepping in my opinion because it's just one thing not several.

[@OhsoWoobie]

Right, he’s 39 almost in his 40s… he’s had plenty of time to at least TRY.

[@tasteslikepurple122]

Everything made sense when he said he wanted to be in radio. This man has an amazing voice! I could listen to him talk all day!

[@casslethbridge]

I can relate to this episode more than I’d like to admit. When Caleb mentioned Bumble BFF, I laughed out loud! I met my boyfriend on Bumble and two of my best friends on Bumble BFF. Once you have a support system, it makes such a difference in life. You can’t rely on them for everything, but having a buddy means the world.

[@TheDrewsperience]

TGIF!! I love these kinds of FA's major applause to the guests willing to be this vulnerable on camera. You guys are the real heroes and helping so many suffering silently. Caleb also major applause helping people financially and promoting mental health/therapy.

[@user-od5hr3up6g]

Caleb, Thank you for being so kind to this gentlemen! Love your work!!

[@amanda_elllis]

I’m 8 minutes in and this dude really feels like a great and genuine guy. I really feel for him and so appreciate his transparency.

[@joesmith3590]

Not really another guys that made his own life terrible then whines about it.

[@FishOfTheSea]

​@@joesmith3590find a hole to rot in 😊

[@amoose8439]

I'm about 15 mins in and the shine has worn off.

[@crovvebar]

​@@joesmith3590Admitting you need help and taking the steps to get it is not whining. I'm rooting for this dude!

[@ijp-om2wh]

He fooled you my friend… he has the same old boo boo story as lots of people… give me a break

[@coletmallory]

That therapist that said he should eat healthy, exercise, cut out sugar and gluten sounds like they know what they’re talking about. Most therapists won’t even touch on the lifestyle factors that contribute to mental health issues so mad respect to that guy/lady. Most people who have depression and anxiety can easily solve it by changing their lifestyle with nutrition, exercise and sleep. It is a very rare circumstance where that doesn’t get rid of it, but at the very least it helps a lot.

[@rubyb7252]

I could also be a motivation issue though. If the person is struggling, giving them this list of albeit good and healthy things to do when they barely have the motivation to get through the day might not really pan out. mental health gets messy, for sure

[@edgardiaz3669]

@@rubyb7252 Sometimes you need to get moving in order to build up momentum that will propel you forward.

[@BassProBaitShop]

Completely agree, most therapist don’t really help they only give band aids. One sound of his breathing and I knew this guy was dealing with some major lifestyle choices that lead to depression

[@janeandrews1790]

“Easily”?

[@AtlasAer]

100% and he listed all the medications he's on... like how's that going? Why do people refuse to change diet and go to the gym?

[@eliharvyk]

Glad you're still around to share your story, Chris. This was a really open and honest episode and I loved how it touched on such real aspects of life our Millennial generation struggles so much with in order to get back on track with financial literacy. Thanks for the great and consistent content, Caleb.

[@kylelaughlin4193]

Glad you are still here brotha. Not enough men get the help they need, but I am glad you have opened up and gotten better. Caleb, you are a class act and really helped this guy.

[@erick3755]

Wish him the best with his mental health because he seems like a cool and interesting guy.

[@lovelyyuliaa]

For someone with depression and too busy daily. Microwave meals, oven pizzas (under 1k cal each), steam veggies, rotisserie chickens and oven meals (chicken strips instead of ordering from mcdonalds daily), have really helped me. Never have to "cook" just warm up and can still eat junky if im really sad or busy.

[@leelindsay5618]

For folks who don't have someone around when they are feeling ill, I recommend cans of soup - always get soup you really like and not cheap whatever because $2-4 of soup for one meal is a decent price. All the other quick meal options are good, but having a stash of some canned or boxed food like your emergency fund that can be made up in minutes has come in handy during even unexpected bad weather.

[@torikareny4231]

I’m not a mental health expert but something that helped me a lot with my mental state was changing my eating habits. More fruits, more veggies and less processed/fried food. Life is different, I was in a dark place similar to him. Addicted to week, I would get anxiety to be outside I felt like I was being judged. If he reads these comments i hope he finds something that helps him get out of this situation. What you put in your body is how you will look and feel outside

[@KimJilene]

I recently changed my eating habits this past month, and I already feel a huge difference in my mental health. I am WAY more stable when I stick to whole foods vs takeout ever other day.

[@joesmith3590]

Yeah that therapist was 100% right this guys is huge and feels terrible about it(inThe video you can see multiple times) but refuses to eat less and better. The reason therapy is so bad is most people choose a therapist that will enable them not help them. Help is going to be hard. Most therapist are actually worse then doing nothing.

[@KimJilene]

@@joesmith3590 He actually mentioned in the video that he did do the Whole 30 diet, which is basically what his therapist recommended, so I think he did eventually end up following that therapist advice and he lost 100lbs. So I am thinking he was good until life hit him hard (as it does all of us!) and he ended up sliding back into old habits. The exact same thing happened to me and it is SO hard to get back into a good routine - not an excuse, just saying I can relate to his struggle 😔

[@xenna1143]

@@joesmith3590He just doesn’t want to do the work and give up anything he likes. He immediately dumped the therapist who told him to change his diet, but that therapist was 100% right. He just doesn’t want to do the work and as long as that is the case he will remain in the mental state he’s in.

[@joesmith3590]

@@KimJilene I can’t because I don’t make excuses. When I Gian weight I eat less and start jogging. End of story I don’t care how I feel I am a adult male. Feelings are for children adults live on responsibility and choices and your choices control your feelings. Letting your feelings control your choices is totally backwards and a recipe for failure. I could give him a break at 25. He is almost 40.

[@susan-el6mc]

I am tired of people plugging their social media account on this show. It seems most of these people are not interested in fixing their financial problems but instead hoping to gain viewers/subscribers by being on the program and making enough money to address their financial problems. This should not be the point of why anyone on this channel.

[@eastonsaccount]

Exactly what this guy did. And we are supposed to valid him and coddle to his blatant laziness

[@Cutekumber89]

Am I the only one who noticed that the Galactica poster moved on it's own at around 36:09 in the video? Anyway, awesome video / interview like always Caleb! Keep up the great work! I'm rooting for Chris!

[@philipcooksey3422]

Took me so long to find a comment about this, you're not alone. I thought I was hallucinating

[@Cloudyconfusion]

OMGFGF WHAT IN THE WAKANDA WAS THAT!! I didn’t notice until this comment but it’s freaking me out

[@aleshiajester5285]

@@philipcooksey3422 OH MY GOD I KNOW literally scrolled so far wth

[@g0DieGOg012]

Same!!! Lmao. What was that haha

[@alexdatoss8962]

Y’all I figured it out- The video is sponsored by Galactic, see banner at 40:46

[@megblackwolf5470]

This guy is my favorite guest that's ever been on this show. He's amazing. He's a sensitive, interesting, and loving soul that is struggling living in a harsh world. I don't know if this guy will ever read this, but you're so kickass dood. I could see you starting a podcast and interviewing people about how they pulled themself out of dark places. I'd listen to it and you, my friend, have definitely been through it and you might really be surprised how so many people feel the way you do and hit bottoms in life. I've been homeless too with a vehicle and my life was picture perfect before it all fell apart. You're not alone and you totally got this!

[@maddiee623]

Thank you thank you Caleb for all your videos!! Paid off my student loans with still a fully funded emergency fund! You’re a life saver!

[@carleywainwright1534]

What a gem of a human being. He needs a fulfilling career in radio/entertainment. I support the podcast big time! Do what makes you happy and I know the money will follow you! I can’t say that for most people but I think it applies here. Best of luck.

[@troyaltypod]

Thank you!

[@enola1281]

Caleb really leaning into the homeless arc of the Financial Audits

[@silverplug]

Well, yeah, most of us are three acts away from homelessness. And it helps to see how people become homeless, since empathy is what makes us human.

[@BagratDraven]

It’s a cannon event

[@GermanyJerseyShore]

​​@@silverplugit only takes one crisis

[@joesmith3590]

@@GermanyJerseyShoreno it doesn’t have a emergency fund like adult. Watch Caleb learn nothing lol

[@lifeofsomeguy8093]

I was the diversity coordinator for Twitter. next month I’ll be homeless if something doesn’t change

[@Paratus.]

It's upsetting that he blew off the advice to become physically active and cut out dairy. The body and mind are one. If you destroy your body and neglect movement, your mind will suffer. Exercise and healthy eating are more powerful and effective than any medication. Hope this dude gets to a better place and gets healthier. So sad to see our fellow humans struggling like this.

[@jonna0900]

This was my first thought as well. It sounds like the therapist was a little intense but gave basically good advice and understood the mind/body connection. He just didn't want to take responsibility and do something difficult that could very well help him. The fact that he thinks walking even 1 mile a day is crazy/impossible says everything

[@KimJilene]

He mentioned that he did actually follow Whole 30 for some time and incorporated regular exercise, so he did actually follow what that therapist said. I think he knows the power of healthy eating and exercise, he is just really struggling with getting it started again, and I can relate to that.

[@chrishayes5755]

@@KimJilene for most human beings here are the options: sink or swim. nobody is going to save you. do the work or face the consequences.

[@jaminwaite3867]

👏🏾👏🏾👏🏾 The therapist’s advice is my ideal even if I never quite get there water intake wise.

[@ultraboombean]

Cut out dairy? Sounds a bit cray to me

[@margggggggie]

Haven't finished the video yet but I love how open he is willing to be about his mental health. Most people who come on the show are kinda hand wavy about how it affected their life and he articulated it perfectly. A ton of us can relate even if we're not in the exact same situation

[@personalbias3703]

Chris, Service. A shelter dog will get you outside several times a day. Elderly, disabled, and language challenged, all these groups and many more could benefit from your gift for gab. Your service to others may also give you the "warm and fuzzies." It might start as a performance but it could transition into living for next week, month, year.

[@troyaltypod]

Thank you - this is very good feedback. My goal is to one day have a ranch for rescue animals so this sounds great.

[@Kagaru15]

Thank you for having this channel! In the last few weeks I’ve cancelled or downgraded my subscriptions, and I’m looking at applying to a new job to make more so I can finally dig myself out of the hole I put myself in. You’ve been the kick in the backside I’ve always needed.

[@iforgothowchangemyname6772]

I understand mental health. I’ve struggled with that too. At the end of the day he had to realize hee a grown man’s no one is gonna save him. Get a job until you get your career back just to survive. Work out eat healthy at home. Promise you once he starts lookin better, finances look better, feels better. That mental health wont disrusbt his survival. End of the day I understand mental health is an issue. But he needs to just take action. Everyone does shit they dont want to or hate or uncomfortable with everyday. My man needs to just start taking action step by step. Regardless of how he feels

[@bunkerchester2623]

I look forward for 8 am every morning for the possibility of Financial Audit!

[@You_Already_Know]

Therapist was on point. Therapy y’all want is affirming. What you need is action oriented which what was prescribed and you couldn’t commit to that. We all go through it but you need the truth as opposed to lies of affirmation. You can change bro! Believe that!

[@erikacuatro9938]

I left for vacation and binged all 4 episodes I missed out on only to have a new one next day?! You’re the best Caleb!!! 🤩

[@nikstar1313]

I wish more men like this could be honest about their mental health stories, thank you for sharing this Chris ❤ Much love to you

[@Ant-dw2uy]

I’m glad you’re still around, Chris. Wishing you the best.

[@CalebHammer]

❤️❤️❤️

[@alonabeck713]

I didn’t get a “genuine” vibe off this guy like many others. He seems like a showman to me - through and through.

[@philip9823]

As soon as he said “I want to make a mark” and then it pivoted straight to his KZbin channel, I literally said “ugh”

[@ox0cherrybomb0xo]

This was a great, different episode. His voice and storytelling had me feeling very invested. Usually when people are trying to explain their situation it's less like hearing their lore and more like a rambling stream of consciousness. This made me think of like, "The Actor's Studio" but with Financial Audit

[@brisinger5814]

Stumbled upon this series by accident, but I am obsessed and they have been helping me view how to solve my own issues. Great job!

[@yur223]

I love how financial audit has become a mini therapy sesh 😂 love your vids Caleb🤞🏽

[@chrisdel3120]

Guy blew 100k of Facebook's Generous retirement package and severance in just a couple a years, yikes!

[@areg3750]

So 50 grand a year. That's about right, but he was living his best life.

[@dirksichveland7801]

Congratulations on 650k +. You are helping a lot of people.

[@mexicanchinese]

Right away, radio, twitch, youtube. Perfect online voice.

[@aburt0129]

Born, raised, and currently based in Troy, NY - same as Chris. He is not joking about the weather/winter and how much it can affect mental health, it’s something I struggle with every year. Wishing you the best Chris! And Caleb, thank you for doing what you do!

[@troyaltypod]

Thank you! Troy WHAT?!

[@RedWolfenstein]

I get depressed when it's super hot and sunny while better when its cold out.

[@xenna1143]

@@RedWolfensteinMe too. I thought I was the only one. I’m happiest when it’s storming and gray and cloudy.

[@thedoggieinnlisaannestella3478]

Caleb, I love you, your humor, directness & compassion. I love your videos, and you are truly part THERAPIST :). Love from Ohio

[@ashleyscott6161]

Before he brought up his podcast I was admiring how nice his voice is.

[@angiehernandez7671]

Caleb I am so proud of you on this one. You truly showed your fantastic human nature. So happy to have found you. I have learned so much even for an old lady. Thank you for all you do. Goad Bless you.

[@stephanievalencia5549]

His heavy breathing has me worried. I hope there are some big changes! He deserves it and will be such a great example of a comeback🎉

[@outdoorfr3ak]

Listening to this guys life is like hearing a lot of my own. I just opened up to a homie last night about suicidal thoughts, keep strong man

[@dickkrab6280]

@@margie909maybe use a different set of words

[@scrock8621]

2 gentle hearted men discussing how shitty life can get. This guys smart and not ugly in the slightest.. get out there geez. Believe in yourself. I believe in ya and I don’t even know you. Love from London * what I will say is though is get off the chemicals. We don’t do that much in UK. Get sunlight in your eyes in the morning, go for run, jump on an exercise bike, hit a punching bag, write lists for tasks to complete, plan your day, get 8 hours sleep without fail every night…. Yes sometimes that means an early 10pm bedtime. What’s helped me the most is my kids…. As much as you want to kill em, when you become someone’s entire world it feels damn good on the soul. Much love

[@Cloudyconfusion]

I need to print this bottom half and put it on my wall. Solid advice

[@curvygirlzrock8836]

Hi Caleb, He seems like a super nice guy… I think one of the best ways to feel better is finding a place to volunteer… it a place where he will meet other good people and make a difference…

[@ericar.6370]

That’s an awesome idea! It’s hard to feel bad after volunteering.

[@YellowPeachist]

I completely empathize with the experience of not being able to get out without it having an external motivation. I don't know if it will help you but what helped me is either calling someone while going out or pretending I'm researching for my local news and taking pictures at the local grocery store and narrating in my head

[@iceepop2212]

I listened on spotify about 30 minutes after this came out on there and had to come find the KZbin page to say that this was a great episode and shows 2 key things. 1. Finances are not the most important, even to Mr. Caleb Hammer. Take care of yourself first. This audit barely dived into finances and as a finance need, this was better than the usual finance talk 2. Chris you seem like a genuinely great guy. Mental health is hard, and I commend you for coming on here to share your life and struggles with everyone. I know it's hard to see through the clouds of depression an anxiety, but as a total stranger(and someone with anxiety, ADHD, and body image issues), I think you'd be a super cool guy to be friends with and hear the stories of all of your adventures. And lastly I'm glad you're still here because you helped me start today on a good not and feeling inspired and hopeful. I truly wish you the best, and I look forward to a follow up with Caleb once you're in a better place so he can help you maximize those dollars you earn to get the most out of life.

[@cassidyweathers]

After reading the title, I know this will be a good video! I appreciate your hustle Caleb! The upload consistency is awesome!

[@CalebHammer]

I appreciate that!

[@KimJilene]

@@CalebHammer Your videos are really helping me to keep going. I am in such a deep financial hole, and it really gets me down sometimes, but your vids give me hope that I can eventually get out of this financial mess. Thank you so much for all of your hard work 😊🎉

[@LindsayViguePhotographyBristol]

Caleb, I love that you always ask about mental health and you are such a proponent of therapy. Therapy saved my life-and a pine cone. But that’s another story. Just wanting to give love and appreciation your way. ❤

[@Ioria89]

I was inpacted by the latest Meta layoff in May and been jobless for 2 months. I got very depressed. Thankfully I found another job recently, I wish you the same 💙

[@diptisingh6762]

I moved to San Antonio 15 years from today's date. I never thought I would stay this long. I met people thru Meetup groups... Movie, running, book, and food groups. But the pandemic changed everything. I understand him. I wish him the best! Now I don't go out much, but definitely do stuff to keep me sane!

[@kmore2785]

I spent 5 years living in Troy, NY. I'd DEFINITELY choose Austin over Troy. Good luck with everything, Chris!

[@troyaltypod]

Thank you!

[@petelauderdale801]

Love the show. I stumbled upon this channel months ago and instantly loved it. One day I’d like to be brave enough and appear on the show. This next part is for chris. Chris, when I moved to Scottsdale and didn’t have friends I downloaded “meetup” and I found my connection with ppl who play different adult sports. It was the greatest move that I can could’ve done and I’m very happy now. Best of luck chris!

[@FirstLast-bn6nl]

12:00 instantly confirmed why I figured he was here. Caleb is going to have to pre-screen more of his "guests" as they're looking to use his platform for their own promotion.

[@GTIMK6_2.0]

25:16 the subtle plug

[@melynn44]

@@GTIMK6_2.0 not so subtle

[@Chances29]

Yes! Caleb, I don’t appreciate watching people who are trying to promote their own business instead of getting a real financial audit.

[@xenna1143]

@@Chances29I don’t either. This dude didn’t want financial help at all. He wanted advertising!

[@eXturminaded]

@@Chances29 for real. This dude was just making excuses for everything. I get mental health. But the dudes on meds and still making excuses

[@jesseboisclair2222]

This channel is sooo helpful and has helped me so much with my mental health. Thank you deeply.

[@townbidnez510]

SO NOBODY NOTICED THE PAINTING MOVE AROUND 36:09. CALEB IN THE MATRIX

[@kendracooper4891]

I came to the comments to see if anyone else saw it 💀

[@OhsoWoobie]

WTFFFF

[@DARK.CARNEVIL]

Yeah came here for this lol

[@alexdatoss8962]

Y’all I figured it out- The video is sponsored by Galactic, see banner at 40:46

[@zeesworld3371]

This guy has amazing spirit despite everything .. sending virtual hug your way.. stay safe n healthy you got this..

[@neutralsportsfan17]

Honestly I don't think that therapist was deliberately trying to destroy his mental health. A lot of suggestions would have probably helped him. Taking care of your physical body will do a lot more for your mental health than pills and psychotherapy. The problem is that most people in a sub-optimal state of mind can't do the physical health suggestions until they get past some other barriers first. I think the therapist he had jumped the gun on the physical health suggestions and definitely should have tried to implement them at a slower pace so it wasn't as overwhelming.

[@rubyb7252]

exactly my thought, yeah

[@NovelNovelist]

Very insightful points in this video and a great conversation about the importance of mental health.

[@tylerragatz6275]

Have you done a video explaining the details of the hole you dug yourself out of and how you did it? It would be interesting to hear your full story if you are cool with that.

[@SittingSister]

Dear Caleb, your channel is a blessing to American youth. You have real compassion for your guests. Chris is an inspiring example of « pulling yourself up on your bootstraps » yet still remain so humbled. I love that you stress the importance of mental health and the fact that self worth and spending are so closely related.

[@Jay-gz6mv]

I am on the therapist side. Going for a walk every day can improve a persons mental and physical health

[@christianshoemaker689]

I think the issue was that the therapist said in order to continue seeing her, he would need to do all of those things. It was not just a recommendation, it was an ultimatum or threat, to go walk but many other things and if he did not do them then she will no longer see him. I agree some of these things will help and improve mental health but under threat of being abandoned by said therapist is extremely unhelpful and arguably dangerous.

[@Jay-gz6mv]

@@christianshoemaker689 you are correct I guess I just take what he said with a grain of salt bc there are always three sides to every story.

[@christianshoemaker689]

@@Jay-gz6mv definitely true, and unless we were there ourselves it’s hard to say for sure who is in the right or wrong or maybe there is a grey area. It’s entirely possible he misunderstood or misinterpreted her to begin with too. Wish this guy all the best regardless though.

[@thisislifepodcast]

That therapist was spot on. Not absurd at all. Poor diet, lack of exercise and sun exposure cause anxiety and depression.

[@stunters44]

Choosing to eat out till you literally have no option but too eat out…cus you don’t have a home. Eating yourself out of shelter is crazy to think about.

[@fergusondrozenski9888]

Hi Chris, if you are reading this I thought you should know I am happy you’re still here ❤

[@witcheddoctor2720]

I like how he's not yelling at him for everything but is being understanding and actually trying to recommend/suggest (intimidate into) realistic attainable solutions to start with.

[@kaydublin5164]

Caleb, you are so caring and loving, it’s so refreshing today, too much hate and not caring. God Bless❤️🙏🏻

[@samanthaplock183]

About to graduate during the spring for my bachelors in biology. I have no school debt and hardly any credit card that I can’t payoff. I tell all my friends kids please go to community college. It’s save you guys so so much money and work too.

[@greenjt]

Mental health and financial wellness are really so intertwined it’s crazy

[@BadBotNate]

the therapist was definitely extreme but had the right idea, diet and exercise 100% improve the quality of everyone's life.

[@kirstinpope86]

That galactic product placement image moving 36 minutes in made me feel like I was seriously seeing things!

[@Cattlynt]

These audits are getting pretty wild 😳

[@rereAL205]

S/o to this guy for his transparency on mental health!