34-Year-Old Has The Most Insane Debt Imaginable | Financial Audit

[@Daniel-Deshaun]

This show has taught me that reaching 6 figures won’t solve my financial problems

[@eliseg0001]

THIS

[@andrew8168]

In 2023 making 100k is like making 60k in 2017.

[@UnhumanNewman]

My wife and I make over 300K a year and you wouldn’t know it, especially all the debit we are in.

[@eliotmansfield]

It’s a fine salary if you dont piss it all up the wall and not clear your credit cards every month

[@eliseg0001]

@@eliotmansfield that’s OP’s point haha. All the money in the world won’t fix bad habits

[@thej5315]

The guys who come on Caleb's show with OnlyFans purchases on their credit card statement have more balls than anyone else here.

[@wanderingdoc5075]

What's even more alarming is how often were seeing it on people that show their finances freely, can you imagine how many more anonymous people are paying for it?

[@Fitz710]

When someone buys an OF sub, they’re not buying it for the nudes, they’re buying it so they can pretend they have a connection with the person. Which is even more sad when you think of it from that perspective

[@smith9157]

@@Fitz710 you know this?

[@Fitz710]

@@smith9157 my friend has an OF and most of her subs just want to message with her and pretend they’re friends/in a relationship

[@SpoonHurler]

@@Fitz710 really? That makes more sense and makes me really sad for them if this is actually true. I guess it's much closer to financing a robot then paying for p*rn.

[@uendarkarplips7263]

Caleb is the replacement for all of our parents that didn’t teach us financial literacy

[@monkeyhousewife4347]

Papa caleb

[@jacobstone4real]

Yeah. My parents didn’t really teach me.

[@Kng9929]

It’s not your parents fault, cause they didn’t learn financially literacy. The school system should teach us how to manage our money but they don’t

[@uendarkarplips7263]

@@Kng9929 well at some point they learned something about finances. They should have at least attempted to teach us.

[@jacobstone4real]

@@Kng9929 agreed!

[@calebsonger4552]

Today I wasted 7 hours of my life trying to get a car loan for 25000 dollars. Got approved. Had 4000 to put down. Then decided to buy a vehicle for 7 instead. Glad I came across this channel because it’s been making me think a bit more.

[@bigcockedman714]

once you factor repairs, gas, insurance... it makes you think..

[@dynaryda8857]

If it was taking 7 hours you were about to get screwwwwwweeed

[@tttgaming8762]

@@bigcockedman714things cost money they don’t last forever, your mindset is what keeps people swimming in debt

[@bigcockedman714]

@@tttgaming8762 my Balance sheet is + mid six figures bud... I don't play video games.....

[@michaelstokes4469]

​@@dynaryda8857I don't know, I had pre-approval and still took a day. And that was with .5 interest rate, car dealerships suck. One thing Elon got right, order online get a seminar and good luck.

[@joshcomeau1365]

So he started with $27k, and "consolidated" it to $400/month. He's been going for 4 years, which means he's already paid *almost $20,000*, and he still owes $15k. So, the company has pocketed $7000, or 35% of the amount he's paid. What a scam. 😬

[@katelynbrown98]

I wonder if he's only paying the minimum.

[@JB-sv5pr]

@@katelynbrown98 na he pays a lot so he can get more credit back to buy more shit The big cycle

[@hofterup]

Well, you'd have to compare to how much he would've paid at the interest rates on the original loans. The consolidator is certainly not going to take on that risk for free.

[@BlacksmithBets]

@@JB-sv5pr bingo!

[@ThePestilentDefiler]

In canada i had 53,000 in unsecured debt though 2 lenders on 4 seperate loans/credit cards. A debt insolvency program i joined turned it into $27,000 over 5 years. $1000 a month on interest alone turned into $0 interest.

[@vinyldeneresin]

Crazy to hear him say he couldn't keep up with minimal monthly payments, so he consolidated debt, but then bought a used $40k 4runner at $800 a month.

[@Playingwithproxies]

Crazy he also said he was considering bankruptcy just before he got it consolidated so it’s completely insane.

[@arga400]

Yeah but he NEEDS the car for his hobby, I mean "side gig"

[@tobykathan8277]

He got a new job and figured he could afford it. Lifestyle inflation man.

[@justinebailey5333]

​@@arga400 😂😂😂😂😂😂😂

[@_Wai_Wai_]

@@tobykathan8277 Well, a New job, while having $26k miscellaneous debt, $16k owe to IRS, $30k student loans, and then making decision to buy a $44k truck. WTH is wrong with these people?

[@TheLeotedesco]

Caleb has an actual chance of doing something really good for the world... It is amazing how much you can learn from this content ... I'm actually hoping for this channel to grow as much and as fast as possible.

[@CalebHammer]

Thank you ❤

[@rickman17x16]

Forreal! I share this stuff with everyone I know cause it’s changed my life and hopefully can change someone close to me! Thanks Caleb!

[@playmate7638]

There’s a giant hole for this type of info. We don’t teach kids the basics of financial independence and responsibility in schools. We really should have a class where we teach how to be good at saving money, investing and doing taxes correctly… this is why Caleb’s content is great. Some of us simply didn’t get thought the basics like this !!

[@PrimericanIdol]

This guy's gonna make it big. I can tell.

[@jw5931]

Yup dude got me to seriously budget and invest at 26

[@southtownloc_beats_4277]

Can’t thank all these guests enough for their vulnerability. Huge eye opener for a lot of us just to see what their paths have been. Thanks Caleb!

[@AlexDom09]

Jacob was quiet in a good way, you can tell he was listening and absorbing everything and I love that! Also, way more open and receptive to Caleb’s advice, with no excuses! That’s so different from some past guests I’ve seen, what a great episode. He is going to do so WELL!

[@rachelscanlon5805]

It was funny with how often Only Fans comes up in Caleb's audits and people get embarrassed and try to gloss over it. This dude laughed and OWNED his frivolous expense. 😂

[@M_SC]

And we liked him for it

[@Fuzzypotato2]

youtube.com/@rachelscanlon5805 What on earth are you talking about? He laughed and they glossed over it. Dollars to donuts you’d eviscerate an “e-girl” for being ON only fans, but this greasy beard gets a pass. Despicable.

[@rachelscanlon5805]

@@Fuzzypotato2 - No I wouldn't. As long as an "e-girl" is an adult and is choosing to make a living that way, I make no judgements. On the flip side, I don't judge anyone who chooses to spend their money that way. Unless they are in debt...lol

[@jamieshawgandy1175]

imagine if porn bub wasnt free haha

[@ThePestilentDefiler]

​@@rachelscanlon5805simps are dumb.

[@yungbasshead710]

I just started my journey 3 months ago when I started watching your content and I so badly wanted to get out of debt, that I’ve turned my debts from 5k to 2k within the last 3 months. You changed my life Caleb, the way I look at and handle finances is completely changed and for the first time I feel grounded in life , like I got this! and once I’m out of debt (which will be really soon) I’m hammering away at my emergency fund which is currently 0$. And im doing all my own bodywork on my 86 c10 chev truck so I will have a mint truck by the end of the summer , upping its value while still having it insured and driving as my daily. I am so excited for life, can’t thank you enough for your content Caleb 🙏🌟

[@_Wai_Wai_]

this is great and all, how old are you btw? It still shocks me how so many Americans basically follow's the US gov'ts example, spending more than it takes in on taxes. But really, the USA kinda feels it needs to keep spending on things like military bases around the world, questionable military ventures such as Iraq, Afghanistan, now $10s of billions in military aid to Ukraine, etc etc... This is truly a dying Empire.

[@helena3631]

Congrats it takes work but you are doing it

[@jesse2576]

Get rid of that truck once its done im sure it burns gas like crazy too car hobbies are expensive

[@dakotareid1566]

@@jesse2576that’s horrible advice. That truck will outlive any new vehicle on the road if he takes care of it.

[@XX-fl4zg]

Yeah 5k is not a typical debt amount ha. But eliminate it as quick as possible and resist future borrowing.

[@katelynnuckolls1675]

I was raised on eating out. It was just the way we did things. I’m in a crazy amount of debt and my parents are in and out of various amounts of debt too. The fact that if you’re in debt you don’t eat out BLEW MY MIND. It wasn’t until I saw Caleb berating people and calling it lazy that I even realized. I mean, we have to eat right?? How can I cut down that spending?? I wanted to learn to cook for fun, but now we cook almost every night and eat leftovers for lunch the next day. It hurts when we eat out and it’s a quarter of our groceries bill for the whole week

[@iratespoonbill1652]

Caleb categorized eating out in the entertainment budget in another video. Categorizing it this way could help you continue to see eating out as something that's not groceries, but a form of entertainment that must be budgeted.

[@LOLZHAHANOTFUNNY]

Agree completely, great job turning around your mindset! It makes me so mad when I hear people online justifying that eating out is cheaper than grocery shopping, because they're comparing $30 or $40 a day of eating out to $100 a week of groceries. I've budgeted for 5 straight years, my eating out budget is now $300 per month and entertainment is $200. All of our groceries for a family of 3 are $450. We have big fun budgets now because we have paid off debt and saved aggressively for years and are now loosening up. But the cost is easily 5 to 6 times higher to eat a meal out vs cook. Multiplied by 2 or 3 for family members, the cost sky rockets! ☠️

[@mollyprior5288]

It's amazing how we generally inherit our parent's financial literacy and habits. It takes work to even recognise that there are other ways to do it, let alone find a better way.

[@woodside4life]

@@mollyprior5288 Damn that is so true… I’m trying my best at 35 to not make the mistake of my parents.

[@carlariggs525]

I only dine out on special occasions. I plan my meals and buy food on sale. I know people that never cook, and the majority have large debt....it's a matter of priorities

[@joey6873]

Officially free of my credit card debt, I’ve been religiously watching these videos and they’ve helped me so much. I went from 6k in credit card debt to 0 in 2 months thanks to Caleb

[@omotayosatuyi252]

Good man

[@cko8643]

To every guest that has come on here since the beginning of this show, incredible respect to you, regardless how bad your finances are. This takes a lot of courage and appreciate the variety of the different situations. It makes us all think about what we are doing. I will never come on here, but I've agreed with my partner, we will do this audit together every month. That's enough embarrassment for me!! Thanks Caleb!

[@sojouner_-1363]

One of the best series on financial literacy I've come across. Not only does he help someone with their Financials, he goes through all of the errors in their money management then works on a plan to fix it and improve going forward giving the person he's auditing and the audience a real world example of how all these complicated financial work and why they matter

[@IRdatank]

When you have a guy making almost double the national median wage, while only paying about 20% of his take home income in housing, yet somehow ends up in this show, you know there is going to be fireworks in the details.

[@Playingwithproxies]

Idk I’d be interested to see someone that actually has their shit together. Why can’t we see the audit that has no debit and uses a budget? The non-average American would be crazy to see at this point.

[@IRdatank]

@@Playingwithproxies same, my man. I've considered it. Problem is, keeping my finances private is important for my situation. I estimate a lot of folk in the same boat with only those ignorant to the potential ramifications of your financial situation being open to the public being willing to come on the show.

[@hogepoge4098]

@@Playingwithproxies I’ve considered going on because I have a lot of money just sitting around and I have no idea what to do with it. I’m talking $50k+ and I’m 24. No debt, stable job, no concerns with my spending habits.

[@googleuser1522]

@@hogepoge4098 please tell me you have it in a high yield savings account, at the very least.

[@lukabeast1150]

@@hogepoge4098 if you have 50k sitting around young and no debts. You should invest or buy real estate

[@The_Imperfected]

Honestly shout out to the people that come on as well. This guy handled himself well. It can’t be easy to have someone dig through your finances, let alone on video.

[@Dayelizavbeth]

It’s so easy to look at other peoples financial situation & judge them for their spending but this show has really helped me take a look at my own finances. Thank you Caleb, this is literally life changing content your putting out. Because of your videos, I will be debt free as of June & buying my first investment property this year at 23 years old. Thank you.

[@Dayelizavbeth]

@@candy2325 thank you!

[@18aplateindoors]

And u look beautiful, u got a dope life ahead of u congrats 🎉

[@mannycalavera2335]

I think that is the good thing about this show. Most people will find something recognizable in some of the participants in the show. Whether it is eating out for no reason, financing an car that is too expensive, or being taken advantage of by those around us. Sometimes seeing something in others allows us to reflect on things happening in our own lives. These financial audits are as much a financial audit of the person sitting there as they are a financial audit of different parts of the audience. Caleb is well aware of this and he knows he helps much more than a single person with every video he makes. .

[@heimbiggysmallz]

How u gonna buy a property immediately after getting out of debt ???

[@Dayelizavbeth]

@@heimbiggysmallz lol I’ve been a realtor & a licensed banker for the past four years. I’ve helped multiple people buy properties who had debts. I have only 5k in debt so yea. It’s very possible.

[@lizhernandez5152]

Caleb - I’m a college student and your videos have changed my life. I started meal prepping and budgeting. You are providing essential education that most of our parents don’t teach us. Please continue making content!!

[@Twinjeremy]

Its not that anyone needs to be taught this shit, its basic common sense!!!!! With the internet you can look everything up if you have questions. Debt = bad , saving money = good

[@jamielivingston7765]

​@@Twinjeremynot common sense at all!

[@jjharrison4099]

Financial audit is now a part of my homeschool curriculum for my kids. My ten year old was banging her head in frustration against the car window when Caleb got to the car debt 😂. She couldn’t believe it!

[@Maya-ln1os]

Right...I had my niece & nephews listening to it!

[@amagab2346]

Stone cold. Awesome HS mive

[@_Wai_Wai_]

homeschooling, its a great idea. Public schools, I feel messes with people's mental wellbeing and schedules

[@LipglossAndLove12]

That’s so awesome 👏🏼 kids love when you’re real with them

[@Probity100]

Well done mama! That’s great

[@mollyprior5288]

I had no debt throughout my 20's and always thought that meant I was smashing the money stuff... what an idiot I was. I could never understand why my savings were always so minimal and all my money just used to disappear. I get it now and within 3 months of binging every single one of your videos I have made SO many changes and what a difference its making. I'm in the UK so it's also interesting to see the difference in what things cost etc. Would love you to do a UK version - you need to go global!

[@bluecollarbanter8971]

Where did you find that all your money was going? Eating out and stuff like that?

[@jaydubya9265]

Why don’t you start the UK channel, Molly?

[@_Wai_Wai_]

hey, how are the utility bills in the UK? I heard they have skyrocketed to 3x or 5x more than before the Russia-Ukraine War.

[@HomebyRC]

​@威 威 yes they are very high at the moment I was paying £350 a month last year and now it's around £600-£750 a month 😢

[@samcobden3263]

Would LOVE a UK version

[@thepearlswirl]

I love when you audit people in their 30s 🎉

[@melanierhine593]

I would love to see people in their 50's and addressing upcoming retirement. Completely different demographic that could possibly gain more subscribers....

[@josephbrown9685]

@@melanierhine593 I agree. More 40s and 50s would be interesting.

[@Fizggig]

Because lots of us are screwed but we have hope somewhere.

[@AnonYmous-UserNotFound]

Me too! I’m late 30s so would appreciate seeing more ppl similar to me (single, mortgage, no other debt, minimal retirement and emergency savings - all went into house deposit recently), income in mid-50s.

[@TheNe3ek]

The way you keep pumping these out is crazy. Keep grinding Caleb, let's get to 500K!

[@CalebHammer]

❤️❤️❤️

[@evelynherrera-gonzalez1474]

@@CalebHammer love your content!!

[@bigbird4481]

He's growing incredibly fast, I remember when he was less than 100K

[@dakotareid1566]

@@bigbird4481he’s grown 100k in a little over a month lol

[@thegreatpotatokitty8196]

*he needs to move his office into his bedroom and rent that extra room out!* could be most the 4runner payment

[@heidiortiz9352]

This ☝️

[@Skunkyfunk]

My new addiction is watching Calebs youtube channel and paying down my high interest debt. Down 1500 from the start of 2024!

[@c0l0mbiandynasty]

I have a picture of Caleb in my wallet so I know not to spend money.

[@CalebHammer]

🤣

[@kimberlyg5770]

I should try that too; great idea😆

[@_sol_8263]

Omg...thank you for the idea ❤🤣

[@Mm-tv3jr]

I laughed so loud at that

[@87Strong]

🤣🤣💀

[@adamkrasuski862]

Not sure if anyone else has noticed but it seems like the items on amazon have been seriously slipping quality wise. I feel like that alone has made me reduce my amazon spending. Tired of buying something thinking I got a deal just for it to break within a week or not function correctly.

[@eliseg0001]

I’ve had instances where cosmetics/beauty products I’ve ordered from Amazon are either expired or were stored improperly so it’s not even just regular items - there’s definitely issues with the quality control of what is being sold

[@Thegrandpineapple]

It’s also more expensive now.

[@exxology1]

I canceled my membership. Buying over $25 gets you free shipping on most things anyway so it works out great.

[@HeyItIsEm]

Seems like a lot of third party sellers. I'm never sure if the stuff I'm getting is legit

[@LifeBindeR222]

Definitely, I started buying a lot of the cheap things at Walmart because their brand quality wise has been pretty consistent.

[@calvinwhitaker4076]

I want Caleb to give himself a financial audit for 500k!!

[@ajmarion]

He did recently for 250k subs I think

[@Alex-zi1nb]

he just did a video about his net worth which basically included everything

[@Sadreath]

@@Alex-zi1nb I don't think it included how he budgets his month and where he is spending his money

[@danmeck5978]

​@@Sadreath Panda Express 😅

[@Pandefly]

That had already been a goal. I think it was supposed to be for 100k or something and he still hasn't done it

[@CodingTutorials360]

Caleb, you should do a inverse financial audit of people in similar careers and pay ranges, but are doing it right so others can see what a good money management looks like and where can get you.

[@annak8313]

Jacob looked kind of stunned at the end there. I hope he makes the right moves to get his financial life in order. Caleb, you are a brilliant, empathetic and awesome person. I appreciate all of the knowledge you share with us along with the F-bombs and "death" utterances at certain moments. You rock!

[@berri6015]

I was about to say!! How dare a weekday go by without an audit!! Thank you for the consistency Caleb!!

[@chukuemekaoje1015]

Debt Settlement companies are some of the biggest rackets ever. He'll probably end up paying more that he should to settle these debts.

[@redkobe5465]

they're just fancier loan sharks tbh

[@Aunny123]

I really enjoy Caleb’s personalized approach to each person. He definitely does NOT follow a model or a one size fits all. Especially for the people is crazy situations lol

[@woodside4life]

… unlike someone else in Tennessee…

[@Aunny123]

@@woodside4life buy the book and follow the baby steps right?

[@liyuche2695]

@@woodside4life Better than I deserve!

[@SpoonHurler]

RICE AND BEANS!

[@Aunny123]

@@SpoonHurler the kids think they’re next!

[@theafamily2019]

I started watching your videos around February , after talking to my husband about our financial situation. We went from 25,000 bad debt (10,000 auto loan ) to 11,000 . Your video's really helped me a lot become more mindful of our spendings and be financially aware . Thank you Caleb

[@coffeeshop8675]

Caleb‘s videos have made me realize just how important your parents‘ financial standing and literacy are for your own financial future. Another thing is how incredibly easy it is in the US to get into crippling debt. It’s seriously scary. Y’all stay safe:)

[@nolikita]

I'm not american, not only am I european, I'm from a post-soviet country, too. And I watch all of these videos as soon as they come out pretty much. And I must say, americans fucking scare me. Where I'm from we have no credit card culture and being in bad debts is not common in any way. And it would often look like wow, people in the US live so lavishly, the young people seem to be just enjoying life to the fullest. But then you listen to all these young people and in a sense they *do* live a lavish lifestyle - going to eat out multiple times a week, ordering food, getting new cars etc. etc. - but in actuality they literally have no money, they're drowning in debt. That's so incredibaly scary to look at.

[@weird-guy]

I’m also from Europe that happens here but in a lot smaller scale than USA , also we didn’t have a credit card culture but banks nowadays are targeting people like crazy even in the buy now pay later sector. in my country I think car loans are the worst ones from my anecdotal evidence.

[@RedFlyingFox007]

Same. I'm African and there is no credit card culture here either, barley even a mortgage culture bc people buy everything in cash

[@coffeebull]

Works from home and paying $1,000/m for an SUV? Nope, sell the car for sure

[@christinee8353]

Id even recommend he goes without a car for six months (or until all but the student loans are gone) and pay his roommate or someone else to use their car once and awhile. Then use that extra 800 to 1000 to set up an emergency fund and pay down all but the student loans, then get a 10k car. He'll be out of the stressful debt much sooner.

[@slf5141]

43,000 car loan ??

[@nagarpoe]

I was surprised when he said he's 34... that's a hard looking 34 considering he doesn't work in hard labor

[@desify6393]

He spends $7500 on fast food a month what ya expect lol

[@dp2120]

The beard isn’t doing him any favors. Better grooming would take off at least 10 years.

[@marklabonte2925]

Booze/Smoking ages white folks like crazy

[@desify6393]

@@baconoftheark I have no idea what I just read.

[@TheMelegence]

I’m 38 and I thought he was 47 😮 sorry dude

[@netpunk5890]

Wow… I’ve been looking at an expensive pair of shoes for just about a year now, and I told myself I’d get them once I was in a good financial position. I went out and got a new job and finally this month I hit my bonus so I ordered the shoes tonight (while they were on sale, too). I didn’t finance them when I was broke, I just waited and waited and set those shoes as a goal and when I got there, I rewarded myself with the thing I had been wanting. It feels great to work for things!

[@shmeepea]

His wee face towards the end broke my heart he really looked worried but I think he’s going to get through this! I have confidence in him ❤ if you are reading this Jacob - you can do it! Xx

[@Charlay_Charlay]

I'm so glad I worked my ass off in my mid-20s to work on my debt. I had about the same amount of debt as this guy and I made at least half of what he made,if not less.I'm reaching the finish line next year December 3rd and earning 100K plus. I can't imagine starting this at 34. I'll be 33 next year and I'll be debt free 😊.

[@4DMBOXNEWS]

These audits always give me massive anxiety based on the starting month balance and the ending month balance

[@wheelshockeyrox]

I've never wanted someone on this show to succeed as much as I want Jacob to succeed.

[@Onegreatdayatatime]

Just sold my ‘22 Subaru Ascent and took a loss of $4k because of negative equity from my previous vehicle. Didn’t want to do it at all, but being motivated by the financial hammer I got to get my house in order. Thank you for the uploads from a fellow Kaleb!

[@martymcfly88mph35]

Good job man. Things will get better and one day you'll be able to own a nice car without going into debt to do it

[@Onegreatdayatatime]

@@martymcfly88mph35 Thank you for the kind words and motivation!

[@rightwingsafetysquad9872]

Looks like this guy isn't even particularly bad off. He just needs to block Amazon on his computer and switch to Planet Fitness and he could be out of debt pretty quickly.

[@luzarydistance4714]

You can see him process what he has to do to actually get out of this massive mess he has made for himself. Hopefully, he takes Caleb's advice and does what he needs to do in order for him to have a better future. Wish him luck

[@sierraschooley]

CALEB I love your channel I got out of $8,500 dollars in 90 days and buckled down so much and now I am debt free and halfway to my 6-month emergency fund. I love your channel you're doing God's work!

[@lemonpepperlou2708]

Dang I wish I could do onlyfans

[@kevinsmith2303]

@@lemonpepperlou2708 Just go for it! I’m sure you’re beautiful and can make people happy! I believe in youuu!

[@sierraschooley]

@@lemonpepperlou2708 I started doing real estate & own a housekeeping business I have morals... LOL

[@concretecat]

Buy safe dividend paying stocks and save!

[@carieyounginsurance]

Great job!

[@DrDenticle]

I can relate to the 4Runner debt… Watching these videos encouraged me to sell my 4Runner to CarMax a couple weeks ago and it feels like a huge weight off my shoulders. We are now a single car family and it has been just fine even with a wife and kids.

[@metzler1823]

Kind of same situation for me… I have a 2017 mustang that I pay $482 a month for… I’m a year in and still owe 23k. I love the fuckin thing and it’s brought my so much joy. But I feel it would relieve me to get rid of it..

[@DrDenticle]

@@metzler1823 yep this was exactly the same for me! I loved it, modified it, took it camping multiple times a month.. but it just wasn’t a NEED no matter how much I tried to tell myself it was. Things are just things and can be replaced, just let it go if it puts you in a bad position.

[@metzler1823]

@@DrDenticle it’s just rough bc gas prices right now. Without gas I’m at about $650 a month for the car and take home about 3.3k a month. It’s just gas. It’s $5 a gallon here in AZ. It’s always been a dream car.. and I’m 20k into it already.

[@emclaire18]

The math isn’t right... 20% towards your mustang PLUS gas? Any financial guru would tell you to sell.

[@metzler1823]

@@emclaire18 eh. True but it doesn’t burden me that much. I have 32k in savings cash, and 13k in my Roth 401k, as a 24 year old.

[@alexmiranda3500]

Dude start uploading these as podcast! I work outside at a power plant and listen to podcasts all day and would absolutely love to listen to these audits while I don’t have any cell service. I download all my stuff before or after work to listen during the day. These would be great to listen to if people can’t watch the video

[@Burdle]

I listen in my car without looking at their faces and it’s worth it so treat it like a podcast ;)

[@alexmiranda3500]

@@Burdle I don’t have any internet at my work though. I work 12 hour shifts so I eat through podcasts and audio books like crazy. Would love to be able to download these interviews from Spotify or something and listen to the episodes. (I’m never paying for youtube red so I can’t download videos lol)

[@starrynite786]

Sell your car to Texas Direct Auto if you're in Texas!! Its alot less hassle than private sale and you'll get just as much for what the car is worth.

[@kylewillacey2445]

Ive started to imagine Caleb on a cloud above my head judging my financial decisions whenever i go to do something stupid 😂

[@_Wai_Wai_]

does it work and stop you?

[@dakotareid1566]

@@_Wai_Wai_does me 😂

[@crystalwaters8909]

Same dude lol, i hear him yelling at me for going out to eat xD

[@DevonEtAl]

I hear him say “you can’t afford it” when I want to finance something, and it works!

[@dianebrooks1859]

Sameeeee!!!!

[@somewhatferal]

Here for Caleb's mispronunciations of purchases. My favorite parts of the videos.

[@SamT12823]

😂

[@marklabonte2925]

Adorama- Andromeda cracked me up

[@Tripp555]

I need that "YOU CANT AFFORD IT!" quote to play from my wallet every time I pull it out😂

[@notabeautyguru6412]

Hahah yessss

[@teleioswi2993]

You have made me take a big step back and realize the life inflation that I have been entering. I make twice as much as I did a few years ago but I am not progressing in net worth. Its time to start making some changes. These are a huge inspiration and give me a very digestible approach to budgeting and planning for the future. Thank you Caleb! Going to finish the last few renovations on this house and nut up for a rental property.

[@mannycalavera2335]

What I learn from these videos, among so many other things, is get the car you can afford and pay cash. So happy I have always done that. Owning a car is a much better experience that way. I have thought about financing a car before (not for the full amount). But Caleb talked me out of it through these videos. Thanks Caleb! After watching these videos I am really enjoying my debt free slightly older, slightly more mileage car.

[@Pudi1224]

Car financing is not the problem. Problem is people do not budget correctly.

[@KeatonDee]

Cars are one of my hobbies so I only own old stuff. One of them is just a 2003 pathfinder I use for work but that age of vehicle does need work. Probably $2k a year in maintenance which is almost equivalent to a brand new cheap little car financed. It depends what you drive, yes this 4Runner is too pricey but sometimes I think a $20k brand new car with bumper to bumper warranty could actually be financially beneficial. Not to mention less breakdowns and stress.

[@christinee8353]

I have zero debt, rental properties and retirement money so I don't need to work. My car is dinged and dented and 11 years old. I plan to keep it for 2 more years. I am no less happy than when I had a nice new "fancy" car.

[@KeatonDee]

@@christinee8353 Wait until it hits a certain mileage and everything starts breaking, 11 years is still new in my eyes. I’m all for getting the right car that’s in your budget that won’t cause you stress if all you’re looking for is an A to B car. People buy cars for status which is absolutely idiotic. Just buy within your means basically. People making a measly 50k a year should not own a 50k car lol but I see it way too often.

[@Maya-ln1os]

Absolutely...also, being able to afford the maintenance. I see so many people with luxury cars who can't afford the maintenance. I'm STILL rolling in my 2003 car...it still works, so I'm still driving it.

[@jera1297]

Caleb, you should make a budget spreadsheet for the guests to use. My spending used to be out of control, apps didn’t help. When I started budgeting manually is when I really started taking things seriously. And of course coupled with watching your videos. :) Then maybe you can sell it too. I bought one off Etsy for $20. I got that one cause it was the most visually appealing lol! But they have them for a lot cheaper.

[@MarvinKMutts]

My man took the criticism like a champ. I have high hopes.

[@ThePaidAdventureOTR]

This channel has changed my life I have paid off my debt in under half a year and now I am posting knowledge of the right way to budget for truck drivers along with my Funchal updates so I can help truck drivers stay out of debt. Thank you Caleb you are the Dave Ramsey of our days and I know you will be just as successful as him!

[@ThePaidAdventureOTR]

Financial**

[@droid2D2C3P0]

Don't get me wrong, I love me a good 4Runner and one day hope to own one myself. But 99.99% of people who own one don't need it. It's one of the beefiest SUVs out there, it's basically a truck made for offroading. Dude didn't need it and should sell it ASAP, luckily they hold value stupidly well.

[@kreimsicle6456]

I used to watch this show to feel better about myself - "at least I'm not doing what these guys are doing" meanwhile I have 20k of car debt too! This week I paid off all my credit cards. I am selling all my collectibles to pay the car off, and will be making double the minimum starting next month. I will be debt free by the end of the year and then begin retirement planning. Caleb and team have opened my eyes - I will post again once the car is paid off in full. I love you, Caleb!!!

[@turtleanton6539]

Good 😊

[@extrasagrada]

Caleb, have you been doing yoga? you've kept really calm this episode 👌🏼

[@soimmaterial2875]

*SPOILER* He did forget to link his channel in the description

[@CalebHammer]

But I fixed it quicker than normal 😎

[@courtneyswart8216]

I'm so dang grateful for Caleb's long form videos and ALL of the varying situations he has come across the channel. By far my favorite KZbin channel right now. ❤

[@jackpotbetty2193]

I’m following along because I could use the wake up call. When I am in the car and have impulse to buy something, your videos have helped me refrain

[@akaCONSTANTINE]

Now every time I think of buying something frivolous that I don't need I just hear.... "Death!" 🤣

[@mayssaadoghan9024]

Thank u, Caleb. Ur videos keep me motivated to reach my financial goals and stay away from stupid purchases ❤

[@CalebHammer]

Thank you ❤️❤️

[@stepheng753]

I have been doing this kind of financial help with friends and family for years. I realized that my little bubble isnt unique. Financial Health should be JUST AS IMPORTANT as someones Mental and Physical Health. @Caleb I love your videos, Keep doing what you're doing.

[@FukkenDubben]

Jacob, if you're reading this, it's apparent that you're feeling completely crushed and overwhelmed by all of this. My heart truly breaks for you and your situation. Let this experience be motivation for you to better your situation. It'll suck short term but you've gotta think about it like a slingshot... Gotta pull yourself back to shoot yourself forward into a better situation. Stay strong, take care of your shit, and you will get yourself out of this mess. I'm working on doing the same, just on a smaller scale.

[@DylanPWN]

I went from about $15,000 in credit card debt to less than $5000 and much of that progress came from watching these videos and applying the lwssons/advice. Still working on getting debt free but it all comes in due time. I will be debt free in about 4 months at the rate I have been paying things down. The best thing, in my experience, to pay it down was just getting a simple budget made and stop eating out. Those are rao simple tbings to help almost anyways.

[@valeriescobedo596]

Fantastic

[@tylertbone9]

Caleb this channel is a consistent watch for me. I am generally pretty good with my finances but the constant reminder really helps keep me in check. Thanks for this series and I love how much you advocate for health and fitness.

[@queenofpents3442]

I'm new to this channel but I love the transparency and bravery. Everyone needs financial education because we never got it. I had to learn this in my early 20's and just recently started to get smart with money and savings. I like that caleb is educating people on their bad habits and their future. In the end, it's up to them to combat this negative debt cycle. I learned a lot through this video! Fantastic job

[@SycaShow]

One thing I learned about life if you buy a car just stay under 20 K kid

[@skylerhayes8914]

So glad I found your channel. Love seeing the mid 20-30 group of people and seeing where I should be and what I should be doing. Helping to change my thinking and planning for future.

[@Buggabones]

My guy is cooked. What you think all those venmo pulls are for? Quit spending money on pot.

[@TheMatadore]

Man I feel bad for this guy. We need financial education in high schools across America.

[@ToadMan9000]

The government wants us broke. That's why we learn nothing of value.

[@RUAmplified]

The banks and government wouldn’t want that! How else would kids take out student loans and maxing out their credit cards?

[@jessdaniel5881]

Caleb is definitely on a list for saying “We’re attacking the IRS”. And so am I now

[@woodside4life]

Ya done messed up. Run. 😂

[@AliciaMcIntire]

This guy is in the trap of justifying buying more stuff to "make his videos better" instead of actually making his videos better. A slightly better camera or a more expensive SUV to haul gear won't get more views; the content has to be interesting

[@sheltonjs]

We need a Financial Audit t-shirt. The main graphic is Caleb with the classic suffering look. (thumb in the corner of one eye and middle finger in the corner of the other eye) Then there are words spread around saying "coffee coffee food food food coffee"

[@hughlingard]

i don't know how it works, whether it's a.i. or post-editing or other, but i'd just like to genuinely compliment and praise you for the exceptionally well done and engaging camera work expressed in all your videos. the zooming and proximities in general, the composition, and the consistently snappy and perceptive timing.

[@BasedPhilosophyMom]

I believe he does have a full time camera guy. 👌👌👌

[@itbeWOLFLINGS]

It is very visually engaging for two blokes chatting across a table

[@mmmm3250]

I hope he sticks to the plan!! He seems like such a nice genuine guy! I’m rooting for him.

[@dp2120]

These people never take accountability on credit cards. You didn’t need a financial literacy course to know that you should pay off the things you buy with a credit card. It’s always the parents or someone else’s fault.

[@How_to_Pronounce]

You would be surprised the number of teens who think credit cards are free money. You rack up 10k in debt and it only costs you a few hundred a month on minimum payments. There are a LOT of people who don't understand what that costs in the long run. It sounds like common sense, but I literally know people who leased a car with their parents and DIDNT UNDERSTAND that it's basically a rental. Parents advising kids to pay 600+ a month for their car and insurance to lease... It's crazy out there.

[@katherinekent3124]

He should be careful with all those business expenses with little income; if you run a loss for too many years, the IRS will consider you a hobby and tax the income without allowing for expenses to reduce the income…

[@nenefry8502]

The IRS currently charges 7% interest with a late fee of 0.25% per month which they also charge interest on. Back in 2018 when he started the payment plan the interest probably was 3%. But the Fed continues to raise interest rates so it might go up to 8% later in the year. I would pay this IRS bill ASAP. Especially with $100K salary.

[@christinegiannetti7358]

Spends more on his car than his rent and HE WORKS FROM HOME!??!? How did that ever seem logical to him when he’s already in such bad debt

[@donkeyfly43]

This is a great episode. That retirement speech “working until you die” really hits home

[@PrimericanIdol]

Caleb's gonna make it big. He should be hitting a million subscribers by next year.

[@architess_]

I miss the old pie chart, easier to read and so pleasing to see lol! Loved the episode as always

[@rboidavenboi6335]

The main question he forgot to ask is.. "how much are you spending on weed every month." Lol

[@carolinecherry2423]

I love how Caleb assumes that same pissed-off dad vibe, no matter their age or gender.😂

[@philipmcelroy6626]

It’s so crazy becoming a fan now cause some of this editing was so unhinged

[@mckenna_L_]

“We’re attacking the IRS” was questionable wording on Caleb’s part 😂😂

[@noahcope7540]

I am so glad that I found your videos this year, Caleb! You are the first financial channel/podcast that got me to make a budget and stick to it! I am feeling so much peace and excitement about my financial future.

[@rachellillard2417]

Caleb, your channel is blowing up! Congrats and thank you for what you’re doing! These videos have changed my mindset. I thought I would be in debt for several more years but I should be debt free by the end of the year.

[@dianebrooks1859]

Caleb's "WHY!?" is in my head every time I look at eating out. I now always pack a snack if expecting to be gone more than 2 hours. Otherwise I only eat out if I'm (1) freaking starving and (2) stuck in some unfortunate spot with no food like an unexpected traffic accident + traffic that ups my commute home by 2+ hours

[@Nathan-en9dn]

He said training videos for employers... so those things that new hires just click "next" to and don't pay attention at all to, is a job that is 6 figures? Maybe I didn't understand the job. Good on him.

[@snailflowers]

that car payment makes me feel sick not to mention the insurance on top of it… and he works from home??? wow. i really feel for this guy and appreciate how honest he is and how he takes accountability

[@emclaire18]

Lollll I missed that part! He works from home while spending $1000+ on a car every month 😂 omg so silly

[@snailflowers]

@@emclaire18 there's nooooo reason

[@Lulusnotreadyforthis]

The amount of men that come on here like ''I'm single...'' then Caleb discloses their only fans payments 😬 Yep, think you might be single for a while dude.

[@7eis]

I made 100k for 2 years working 12ish hours 5-6 days a week. Knocked all my debt out after 3 months. Blows my mind you can make 100k and not just knock the debt away, especially when you have cheap rent

[@MandyRosko]

Watching Caleb makes me so anxious about what I owe on my credit card. Which is good because I've been putting more payments on it and getting that number down, but then I have to deal with the anxiety of watching him yell at people ^_^; One credit card paid off, half done with the other and I called the card company and had them lower my limit so I can't bump it up again until it's gone, and then I got a car to pay off, but I do feel better about it all after watching this. Watching these keeps the fire under me for sure

[@maxafc4695]

People worry about something costing $1000 going wrong with their car once a year, so spend an extra $500 every MONTH on a newer one

[@3_character_minimum]

Soon as I heard black rifle cofffee. I would have bet thier was tax owned somewhere.