Degenerate Son Exploits Parents | Financial Audit

[@CalebHammer]

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[@mayahdoss7050]

Y'all, it's been a game changer for me! HIGHLY RECOMMEND!! Comprehensive, straight forward, learning in small chunks, moves at a good pace. I now have an individual stocks account, high yield savings, Roth IRA and CD. Next is getting into a mutual fund. It's so empowering!

[@CalebHammer]

@@mayahdoss7050 That's amazing to here :)

[@Owen-mm8pi]

Does it go over retirement accounts?

[@mayahdoss7050]

@@Owen-mm8pi yes! And it helps you decide which is right for you.

[@Basictoproskills]

Seems like a great way to make money...for you🙂

[@exqueue3813]

If you tell your friends that you want to quit gambling because it's destroying your life and they complain, they're not your friends to begin with.

[@ekevanderzee9538]

Well, his "friends" are making money of him.

[@Sickwitit18]

It sounds like the Hangout quite often. He can simply just avoid poker nights only

[@TonyCox1351]

He would probably say the same exact thing if one of his friends tried to quit gambling.

[@hockeysteph]

Or have poker nights without the money attached, I assure you, poker with friends with NO money involved is just as fun, if not moreso, than when money is on the line

[@TonyCox1351]

@@hockeystephis poker night also as fun without the drinking and smoking? Dude has a lot of vices

[@Tannerhenkel]

Turning $5 into $200 at 15 years old was the worst thing that could have happened to him.

[@andrewstelling7895]

On the other side I once took a friend of mine to a casino, he put £5 on a roulette wheel. Lost, never gambled again. Sliding doors.

[@johnnybmoto414]

Happened to me too. Won a poker tournament on my 18th birthday and it sent me down a dark path

[@Nico6th]

Yes, looks like it turned him into a gambler regarding his whole life. He wants to live BIG but has no way to earn that much money.

[@amintaaq]

i gamble once and lost then i stopped 😭 i don’t understand how to play

[@basementhomie2674]

​@@amintaaqyou can gamble with my heart and I'm telling you this house loses more often than not. For you I would go bankrupt

[@jonathanstone4308]

Bro needs to work 7 days a week for at least 10 hours a day so he doesn't have any time left to make bad decisions for himself.

[@happilyeverizzy6206]

At that part I kept on repeating “work. Work. Work. Work.”

[@hunteralbers1449]

Yeh thats how i fixed my life, no joke

[@evanpearson2612]

you can easily gamble on your phone

[@shrodeshrode3624]

@@hunteralbers1449same lmao

[@lordtraxx4217]

That’s what I do and still somehow find ways to f it up

[@JBrodo]

The fact he immediately said that he felt like he would do drugs if he didn't hang out with his friends says to me that he can't stand to be alone with his thoughts/feelings. Get therapy, brother.

[@rubenmejia942]

He needs to face the pain he is trying to numb. Something happened in his childhood, and he needs the help to deal with it.

[@AdrielCrespo787]

@@rubenmejia942might not be trauma but no self love. If someone around him would get him to workout wit them or a combat sport and he’ll find something to get addicted too

[@marcfilms999]

@@rubenmejia942 Yep. Trauma gets worse the more you ignore it. I was diagnosed with PTSD at 22. The cause of it was my birth family were evil and abusive. You never fully get over the trauma but you learn to deal with it day to day and rewire your brain by realizing its in the past. Its a hard road to travel but needs to happen. Even if someone doesn't want traditional therapy, you have to replace it with a hobby to distract you from your dark thoughts. Once you get into the habit of doing said hobby it slowly rewires your brain to lessen the trauma. Working out helps a lot. Working with your hands in general helps keep you busy. I do wood working as a hobby, video games, reading, working out, overall hanging out around my farm, gardening ect. Having at least 1 good friend can also help you out a lot too.

[@casspuffy]

Yeah he's very clearly running from something

[@jonny-b4954]

​@@rubenmejia942nah. People said that shit my entire addiction and nothing ever happened. I just wanted to do drugs. Took a decade for that to change

[@219darkstar]

Giving a $22,000 credit limit to a 22 year old is absolutely in-fucking-sane

[@latulip100]

Considering at 25 making the same salary ish 50k I had $1200 as a limit yeah, fraud right?

[@victorblas3483]

I make twice what he makes and my highest credit card is only 17k. That is insane. Oh and I'm 34

[@cejvy]

Ever hear of student loans?

[@bgoode652]

And they lowered it to $22K.

[@rebeltheharem7028]

@@cejvy Different from a credit card limit. Much different.

[@gidgetgetscrafty]

6 minutes in and he doesnt need a budget. He needs treatment for gambling addiction.

[@CianMcsweeney]

and probably alcohol & nicotine too

[@joebobby1412]

@@CianMcsweeneyI don’t think alcohol and nicotine are recommended treatment for gambling addiction, but I’m not an expert.

[@CianMcsweeney]

@@joebobby1412 that's the worst Dad joke I've heard this year, congrats

[@SavageMinnow]

And Gamblers Anonymous isn't going to help in his situation

[@ryanl5092]

​@@SavageMinnowWhy do you say that? Genuine question since neither me or anyone close to me has had a gambling issue so I don't know anything about gamblers anonymous

[@ren-cy1gn]

He's got the smoking, drinking, gambling trifecta, apparently topped off with a food addiction. Dude needs some serious help.

[@Seanhaggs]

He's likely very sad and if he leaves his friend group something even worse could happen. Tough situation

[@matecollins6123]

The triforce

[@modernNeanderthal800]

Oh damn. I hope he gets it. There are really fun things in life that don't require all that jive

[@javaskull88]

He’s a case study in addiction, denial and rationalization.

[@TheIronChainMaster]

A that's missing is the strippers

[@dragonsnack1335]

Caleb should make merch in the form of a thermos, sandwich box, and lunch bag. Every guest gets one. 😂

[@hannaholguin3684]

This is actually smart😂

[@johannablake3469]

The bag could say “have you ever heard of a sandwich” on the side 😹

[@Ramonryan]

Great idea.

[@crazywhitegrl27]

i'd buy em! 😅

[@Kelsey4Keto]

"Pack your own taquitos!!" 😂

[@BeautifulSilence]

Please look into doing a self-exclusion from your local gambling haunts. I used to bartend, and two or three regulars came in during moments of clarity and asked us not to serve them. I can't speak for everyone, but I took it very seriously. I see it as a form of asking for help, and that's more important than any potential money made.

[@mauroge9887]

You're a saint

[@awhyee]

They need to make a playlist for all the Caleb variants

[@CalebHammer]

🤣🤣🤣🤣

[@michaelmcnulty8785]

Caleb Cinematic Universe

[@alinaa7827]

Make it a KZbin short

[@SpoonHurler]

A shorts editor needs to do this. A compilation of Hammer clones. I wish I had the time to do it well 😂

[@Tboltross69]

The Caleb Variants 😂😂😂

[@antonioiniguez1615]

Caleb Hammer auditing Caleb Mallet is crazy

[@ryanlemmers5300]

Caleb Sledge the bodybuilder is next 😂

[@ericar.6370]

😂😂😂😂🏆🏅

[@dnmitch]

You win 😂😂😂😂😂😂

[@FlockofCherubs]

☠️☠️☠️

[@honeybison]

LMAO!

[@jowombo]

He’s gotten to the point where gambling isn’t just the problem but he now views it as the solution to his situation :(

[@philwill0123]

Exactly. If he gambles, he wins, he somehow pays off his debt and then goes into profit, justifying his decisions. Then it's "buy timber wolves tickets" next year...

[@jowombo]

@@philwill0123 Yeah as a whole its not a great situation, he's definitely playin with fire and already burned himself, just not bad enough.

[@bbtopher]

That is the loop that gamblers get into, and it's really hard to get out of. I've been there and done that. I've banned myself from every casino within driving distance for the next 5 years. Best decision I ever made.

[@LaddiLo]

In a multiverse where Caleb never got his shit together and became a gambler Edit: thank for the over 2k likes 🥹😭😭🙏🏽❤️

[@mariogarcia6498]

😂😂😂😂😂

[@Imwalkinhea]

🤣🤣🤣🤣

[@bigredsveg6572]

Hahahhhahaah

[@unterschichtblog]

Or he's the first step in the This Guy --> Caleb --> Boogie evolution.

[@pamelaliegh]

+ stopped taking care of himself.

[@chris2610]

"They didn't check my ID, I've always looked older" brother, you still look 15

[@stacy870]

That’s what I thought, too!!

[@michaell.6877]

Well, since I'm not too far from him, mystic lake, and running aces have never checked my ID

[@Makerbreake]

He looks 25

[@mikegoddard263]

Maybe he didn't used to have the babyface

[@brigadierharsh1948]

He looks tall and big, was probably huge for his age group back then.

[@VerTicaLsProductions]

As a gambling addict myself I had to put myself on the online registry to never be allowed to gamble again. That was almost 2 years ago, still dealing with the mess. Don’t gamble kids

[@dacokc]

i know if i allow myself in a casino i'd be tempted to gamble away $100 easily.... just can't put myself in a situation like that. they legalized the sports gambling where i live... i tried it out... got the "free" $200... threw another $100 ontop of that probably... after it was gone i deleted those apps... can't let myself be tempted. i thought... as long as i break even it's okay... you'd be surprised how one bad weekend of college football brings you to ZERO.

[@ronnieadamson6998]

You don't have friends ... you have fellow addicts.

[@ghostlyone2]

So, I disagree with this. Based on the cars and the hobbies, I'd say he has extremely wealthy friends that he met in the casino. He has an addiction, but they've just got cash to burn.

[@vanadium1603]

​@@ghostlyone2 Honestly, watching this, I see so much 'ATM withdrawal' and not many 'ATM deposit'. I wonder how much of it is his friends keep him around because of how bad at BlackJack he is

[@sleep9357]

​@@ghostlyone2 you're so wrong them are fellow addicts.. watch him stay sober and not have money to gamble see how many of them "friends" hit him up after that..

[@korsakoff76]

​@@ghostlyone2No one is rich enough to burn their cash in a long term. Addiction is addiction.

[@richard02-12]

@@ghostlyone2I agree

[@susanlee8023]

YOU WILL FIND PLENTY OF SOBER FRIENDS AS SOON AS YOU START TO GET SOBER. - signed, a sober friend

[@maggiecramer8154]

Hello fellow sober friend!

[@Farseli]

Damn, I never stopped being sober. Probably why I haven't been able to find any friends. So I need to start drinking first and then get sober...

[@kingdenali6293]

This shits true man

[@susanlee8023]

@@Farseli it’s funny when you put it like that, and No, I would not recommending abusing alcohol just to enjoy sobriety more. But for real I put off getting sober because I was afraid of losing face and losing my friends. And when I had to face my addiction, I immediately encountered a strong community of caring people who are serious about living a better life - and who also completely understand what it’s like to be lost and self-destructive. I’m what’s called a “grateful alcoholic” - humbled by my addiction, awake to the miracle of recovery - sober 18 years and counting every day 🫶🏼

[@Dingbobber]

So true

[@Brownkevin7]

That’s really brave of you to have your son on.

[@Cavisori]

😂😂😂😂

[@chrisr18]

This one is scary. This guy has a very serious addiction issue. I hope he takes responsibility and finds help.

[@hectopo]

This guy came across as an absolute idiot. Constantly giving justifications that made absolutely no sense. I have little hope for this one. His constant sighs and expressions when Caleb would give him the answers/keys was telling

[@GIChiyo]

@@hectopo I have a feeling this guy is severely depressed and is looking at anything other than working on that depression with therapy to feel better All these addictions speak volumes to that imo

[@TLA123y6f]

I don't have a lot of hope for this guy. He's going to need to hit his bottom.

[@pinkisforpimps]

He's lost. He probably never has guidance in life

[@victorblas3483]

@@GIChiyo This, he needs help and this addiction is not it. He needs therapy.

[@ian_everywhere]

Casino I.T. employee checking in - casinos have this thing called "self exclusion" where you can tell the casino that you have a problematic gambling addiction and that you'd basically like to ban yourself from the casino. Casinos are a predatory industry, but at least there's tools that people can use to help themselves out of it if they want to. People lose an insane amount of money so lazy jerks like me can have an easy, fun job. Don't gamble. You will lose.

[@rachel3620]

Didn't know this was a thing! How neat!

[@kaitlinjohn3625]

I'd be curious to know the success rate of self excluders- I think on one hand it shows self restraint to even be able and willing to flag your own behavior to them but I also wonder if half of the people who self exclude end up getting a big itch and driving further to a different casino, spend more time and money there because "well, it was an hour drive, might as well make it worth it" etc and end up digging the hole deeper.

[@OneFrugalIntrovert]

My aunt banned herself from a casino for a year but ended up just going to a different one instead 😢

[@ArchIVEDCinema]

​@rachel3620 Of course you didn't know that's a thing. You think casinos would advertise that anymore than they can lobby their way out of?

[@sexysaphirre]

You can self exclude but they will still let you in to gamble, the only difference is that if you do go in and win a jackpot they seize the funds

[@PPSH-Riley]

"I don't overdose on heroin every time" was literally my mindset. The addict brain is a very scary place when you are losing to it.

[@bethlemon]

Really happy for you to see this is in the past tense…congrats.

[@ricardokrittsquad2386]

Same I used to say I'm a successful addict compared to everyone else 😂

[@turtleanton6539]

Yes😮😮😮

[@Spicy-Tteokbokki]

22 and already has a gambling problem is scary man.

[@AnalyticalMenace]

Let's just be glad he didn't wait till he was 42 to apply to this show.

[@obroni]

He had a gambling problem at 15!

[@TannerisSmol97]

Not that surprising imo he was the right age for all the CSGO gambling and all the shit on twitch slots

[@MPPG663]

​@obroni Honestly, I'm not surprised. I was about 13 when I realized my behavior at the arcade wasn't normal. I was spending all kinds of money for the chance at more tickets to get a stale teddy bear. Never went back, lol 😂

[@Kratzke8000]

Ever since Minnesota Bars allowed E-tabs (electronic pull tabs) to fund the US BANK stadium bonds gambling in the state amongst youth has exploded. Prior you had to drive to a Native American casino which were all typically an hour or so away from most areas. Gives you time to rethink the decision or even make the trip.

[@Sav1010]

Step 1 is recognizing you have a problem and he’s not there yet

[@ronnie5329]

He will get there the hard way then.

[@silkroad1201]

No, step 1 is towards the casino exit

[@yanasto]

@@silkroad1201step 1 is literally admitting that you are powerless over your addiction and your life has become unmanageable

[@Ramonryan]

It cracks me up how none of your guests ever think of packing a lunch. My husband and I, 30 yrs at our jobs, pack lunches everyday.

[@captainforrix956]

Loaf of bread is like $4 for good bread. Peanut butter is like $5 or $6 Jelly is $4 You can buy some other small snacks for in the lunch box for cheap. Spend $30 and your lunches for the week are sorted. I've eaten 2 PB&J for lunch every work day since I was 23 and it's saved me so much money

[@SemekiIzuio]

Whats crazy to me is how people can eat nasty fast food everyday because nothing can ever beat fresh or reheated home cooked meals plus the quality of the food is 100% better and nutritious then low quality cheap(grade not price) food that cant fill you because the nutrition isnt there. This is probably why most of them are overweight af or skinny like twigs, they dont know how to eat. Now im not saying eating fast food once in a while in a pinch isnt convenient and ok but definitely not every day. Dont think these people ever had a good home made meal in their single life.

[@flygirl6048]

I had a buddy who told me I would stop bringing my lunch to work after a year. I'm running on year 3 bringing my lunch & dinner, every single day, without fail. I'm sure it saves me buckets

[@mattcusto]

Are we going to pretend like they don’t look like brothers? Even the haircuts 😂

[@MrManfred951]

Gotta slap the bro around a bit…the “fellow mid-westerner” 😮😂

[@mw6346]

Caleb will blame it on the glasses

[@jessicaa3623]

Caleb's jaw line smashes any brother comparison. The hair and glasses, maby.

[@ellyjessie8500]

yea 100% they're brothers lol

[@Moebius616]

Huh!? I think Caleb is a bit better looking than his guest. 😅

[@peqy]

"I put $5000 down on the car" OH GOOD! "On a credit card" with 20%+ interest WHAT WHY

[@thomasa5619]

Half the car loans on this channel are roughly 20% interest anyway

[@paulallen3884]

Ric Flair: "WOOOOOOOOOOOOOOO!"

[@Gumby6583]

Yeah the Woooo! Killed me.

[@GreatAlex-fo7we]

Ouch

[@Normalisk]

I was thinking about this - it was probably tax and fees.

[@cam_1845]

This man has become the voice of my financial conscious. I can just hear him. "Are you serious? Do you need this purchase?, so you think that's okay?!?!" His voice haunts my consciousness, just constantly saving me money by making me feel stupid. I love him

[@bridgetkirk7065]

Yeah, if I pick up a snack at a petrol station or something, there's a voice in my head saying 'going in and getting me some bullsh*t'. 😂

[@Cavisori]

Checking my statements and seeing how much I spent going out to eat this month, all I hear is Caleb screaming in my ear, "YOU GO OUT TO EAT EVERY SECOND OF YOUR LIFE YOU CAN'T AFFORD THIS WHAT ARE YOU DOING?"

[@aurorab345]

Glad I’m not the only one!!

[@zachhelton6980]

I’m on 3 weeks of stopped gambling.. been the hardest three weeks of my life. My bank account has increased dramatically and my debts have already decreased by big chunks. It’s crazy what you can do when all your money isn’t going to gambling. The house always wins!!!!!! NEVER GAMBLE ITS NOT WORTH IT!!!

[@fiveminutestolive]

Congratulations on being 3 weeks bet free! That's a huge accomplishment 🎉🎉

[@Readstudycry]

Good for you!

[@laurenneblett986]

Proud of you, internet stranger 👏🏾 you got this!!

[@rinyotsu2.0]

I noticed the same when I quit alcohol 19 months ago. You got this!

[@heidiortiz9352]

Praying for you! 🙏

[@Cy4nC4t]

Lmao “would you like to join me in this conversation” absolutely killed me 🤣 Caleb father mode fr

[@MissMosierable]

Caleb should have paused and asked if this dude has a dad, and if so how their relationship is.

[@TonyCox1351]

The thermos bit sent me

[@jcnot9712]

Bro ran out of people to audit so he cloned himself 💀

[@beastmasterbg]

He went back in time to get his younger self 💀

[@scotthoover1568]

"I never said I was a good gambler..." The sad part is he *is* a good gambler. He's actually the *perfect* gambler. The perfect gambler is someone who is convinced enough they can win that they continually go and lose money. He is doing exactly what the casinos want him to

[@frankvonfrauner]

Clearly you've never seen any Cantonese gambling movies.

[@silkroad1201]

Good gamblers make millions and never get addicted. Which is why I have to keep gambling. I can always buy another house when I get my big win

[@brendabrant6109]

Caleb's point about friends is good. Reminds me of an old AA phrase 'if you hang around a barbershop long enough you'll end up getting a haircut.'

[@joycef8443]

Amen!

[@kittenwu8527]

NA..if you pick up you will use

[@TonyCox1351]

I actually think he put too much focus on the friends…this guy IS one of those friends!

[@HilariousHyena]

Yup that's why my father died from drugs. Don't put yourself back in the same environment that messed you up to begin with.

[@chazwhirl5201]

I don't expect Caleb to read this, but if you do, I just want to thank you. I was living without a single thought of my spending or future, and you've completely changed my life for the better. Sincerely thank you so much!

[@harrietxo2310]

Slaying!

[@MilesByMyles]

A “good gambler” is absolutely DIABOLICAL😭

[@CalebHammer]

😭😭😭

[@Sniperboy5551]

Gambling addiction has to be one of the worst addictions you can have. I’ve seen it too many times. At least a drug addict or alcoholic knows they’re getting something out of it. When you win a bet, it makes you believe it’s gonna happen again, even if you lose 10 times between those wins. It’s insane.

[@RichKent]

The worst thing that can happen to someone is winning the first time. Turning that $5 into $200 at blackjack at 15 years old did things to his brain that are difficult to undo.

[@Ben_Kunz]

Tbf there are those guys who actually know how to play blackjack and they know how to win it, and they are considered professional gamblers, but that's defiantly not the case for 99.9 percent of gamblers.

[@ahriise9570]

A good gambler brings money to the casino 😊

[@Dynasty_VR]

Bro you can't just bring on Haleb Cammer and expect us not to notice 😭

[@heathergray9195]

#4theWin!!! ❤😂❤😂❤

[@G3mini33]

😂😂😂

[@drewbrown6517]

I live in Las Vegas, and my favorite thing to do after work is to GO HOME 😂

[@_fapple_]

Same here, I avoid the strip at all costs lol

[@heathergray9195]

He's trying so hard to be one of the guys. It's heartbreaking. Sweet, desperate guy.

[@janegarnham]

Yeah look at his poor face at 13.39 I wanted to hug him and cry. HE needs real help. Thought he could quite if he wanted to . 😢No he needs help. Professional. This is one guy I’m rooting for. Would love a follow up on this one.

[@rain4242]

no man this guy is on the path to bankruptcy. He rides with rich guys and pretends to be rich guy. 100k cars? plays on golf courses? he took out loan for 40k with 9% interest rate on a brand new 2024 car. He wants to be like "heeey guys look at my new car broooo its 2024 0 miles RS model broooo" Sounds like spoiled children. If you baby this dude he is going to keep doing what he is doing. Caleb kicking him while he is down is what he needs. Rarely do these people come back with love and care. They need love and care after they have accepted their situation and have started mending it, not before. ONE of his 20 "friends" need to kick his ass and tell him to get his shit together.

[@kevinh4910]

Yup. Hanging out with a group of 20 guys… some have 100k plus cars… he’s trying to keep up with the jones’s

[@Callitout-kl1uq]

When he said he goes up to a racetrack with buddies who have $100,000 cars, we know he’s trying to live begging his means.

[@Dirtydanwan]

7 year gambling addiction at 22 is wild

[@bluejayjh7]

If only someone had checked his ID 7 years ago 😢 could've prevented that first high

[@fkscopes]

​@@bluejayjh7so he'd of become a gambling addict at 18

[@LegDayLas]

@@bluejayjh7 More if only he lost that $5 and it put a bad taste in him mouth. Turning $5 into $250 was the WORST thing that could have happened to his impresionable mind.

[@turtleanton6539]

It is

[@laurenc9458]

Who the fuck would give a 20-year-old a credit card with a $30,000 limit? I didn’t even know that was possible.

[@markhynes1940]

People who want to make money, that's who.

[@Lady_Tee15]

It is messed up😮😮

[@islanzadi1]

Gambling addiction, alcohol, nicotine. Thats not a financial problem. Thats a mental health problem. The ONE THING we need in this situation is therapy. ASAP.

[@Mrmysterious-dj1ov]

It’s both they go hand in hand

[@codyalejo1805]

Caleb I’m officially out of debt because of you! Paid off 20k+ of debt in 5 months! With a 1 year emergency fund 🔥

[@Jay_531]

Hell yeah nice work man

[@traceybutts9410]

Amazing work! I’m tryyna be like you man!

[@JeanniePandota]

Congratulations🎉 😊

[@CJKilworth]

Nice fucking work!!! 🎉

[@mod8054]

Amazing🎉🎉🎉🎉!!!

[@elysebuck5061]

As a native MN, those tickets are a gamble. Never bet on any MN sports team doing decent year after year.. ever. 😂

[@cookwithdrbrooke]

I also think it’s easier to make a profit on the “nosebleed” tickets like he did last season than club tickets. There’s just more of a market for the regular seats. Most folks can’t afford the club (himself included) and ppl who can don’t usually buy them on the aftermarket (it’s often businesses who give away seats as gifts to customers). If he wanted to make more without all that risk could have just gotten more nosebleed seats to resell.

[@eloyzamora4461]

I had a friend exactly like this kid. He loved to drink excessively and gamble since we were in our late teens. He eventually became a full-blown alcoholic. His severe gambling addiction crippled him financially. You could catch him in moments of sobriety in the early mornings. He would resent what he became but felt he was too far gone to be helped. His life ended ugly at the tender age of 32. In 1 decade he went from a vibrant handsome go lucky guy to an unrecognizable corpse. Point is this kid is heading down an ugly path if he doesn't change. Also, 20 "friends" should be encouraging you to grow not throw your life away.

[@laurab5849]

Wow so sad:(

[@cmbrownie]

So sad. This is exactly where he's headed.

[@hundredlives3910]

Sounds like they are older then him and in a higher wage bracket as well

[@NeuroticHomicide]

Growth… important aspect to male friendship.

[@TheRealMjb2k]

I am shocked he’s paying $1100/month for season tickets when he makes only $4k/month. Imagine giving 25% of your income to a basketball team!

[@jorlowsky469]

And then he’s paying another $1k just in his monthly car payments. (Including gas to the equation)

[@Gonza1502]

+ the sportsbet he sure does

[@Stephanie-zn5qp]

I am shocked Caleb didn’t calculate the interest he is also probably going to be paying on these tickets into his profits

[@Corey_Augraph]

@@Stephanie-zn5qpI kept waiting for it. But I don’t think it would have made a difference for him :(

[@cdc_ok]

he takes it as an "investment"... well.... investments do go wrong some times..... and that's RISK he is not even considering.

[@Jillyyy17]

Gambling addiction is a real thing and it often goes overlooked in comparison to other addictions like alcoholism etc. I sell lotto at my job and have several regulars that will come in with several hundred dollars worth of winnings, who turn around and blow it all on buying more tickets. It’s sad to see tbh.

[@itsacookie1]

This dude is collecting the infinity stones of bad financial decisions. Gambling, meme stocks/coin, credit cards, car loans, eating out

[@MissMosierable]

That's 5. He hit a Bingo!

[@ArchIVEDCinema]

Don't forget buying basketball tickets as an "investment" 😂

[@MissMosierable]

He majored in game theory and statistics. Still can't win. 😂

[@ryanc2927]

He picked the worst car to finance for 40k. The equinox isn’t bad but my guys who run a shop flip them from auction for cheapppp. When they said 40k it blew my mind because my friends re sell models just 5-6 years old for under 10k total value of the car (not profiting that). Even tho they have well over 100000 miles

[@frankvonfrauner]

Buying GME over $300 made me do a spit take.

[@tatianaflucker9417]

“We made it to the western conference finals.” “That certainly means something to someone” 💀 goodbye

[@victorblas3483]

lol I'ma use that for sports stuff now

[@easyy376]

I had to say that out loud to myself so I can remember to use that in a conversation one day.

[@XenZenSen]

"We made it..." So what did he contribute?

[@innovati]

You went from accountant to loving big brother on this guy. Hope you made a lasting impact!

[@choreomaniac]

“I need credit cards to pay bills and gas.” Spends $14,000 on season tickets.

[@jaysha5226]

This guy's financial situation and behavior is so gross.

[@philwill0123]

His entire lifestyle is gambling drinking and eating out with rich friends. He's maxed out trying to keep up with them, and develop addictions. He definately is taking out another credit card because when he's too poor to continue the life style, he "friends" will drop him.

[@rileywern9619]

So I myself have nba season tickets, funny enough for the timberwolves. If we sold all of them we could definitely make about a 2x profit on our tickets, but we go to enough that it ends up being a little paid for the whole year. and he's right about the wolves "financing;" if your szn tix are 12000 for the year, they let you either do 12000 at once or 1000 for 12 months, which for us is great cause we can take the 11 months we don't spend and put it into high yield since it can make money Difference though: WE PAY THE CHARGE TO OUR CARD EVERY MONTH SO IT DOESNT ACCRUE INTEREST. this guy is paying an extra 150 per month (which becomes 300 after 2 months and eventually an extra 750 by the time the season starts) to hopefully break even. Jesus man

[@ryanmerriam3255]

I cant got to Twolves game for less than $100 a ticket because dumb asses like him scalp tickets when they can't afford the tickets in the first place... cool.

[@chrissy9876]

“I get tired of sitting at home.” Bro go to the gym.

[@yoboooiii7651]

This right here

[@RayClue]

I had to scroll down way too far to find this comment. Get hooked on pre-workout and lift heavy circles!!!!

[@treegills]

Caleb you have such a gift for talking to addicts - I'm in recovery myself and it's such a thin line to walk expressing concern to an addict

[@kinGhidora]

As a person who has been clean for 1 year from gambling it sounds like he is not ready to give up gambling and should go to a GA meeting and learn that he needs to change sooner rather than later

[@Lowlight91]

Congrats on one year!! 🎉🎉

[@andipearl15]

Congrats, I’m so proud of you! I know for a fact the other people in the meeting would have LOVED to get the addiction under control at 22.

[@debbiejones953]

Might give him some insight into his future to go to a GA meeting and hear the stories. I hope he watches this episode back and can see his addiction with fresh eyes.

[@henryhace]

This guy’s friends are not his friends. The sooner he realizes that the sooner he can start the path to getting out of this addiction.

[@Seanhaggs]

They are his friends, but they enable eachother because it makes each one of them feel better about themselves.

[@MPPG663]

I was going to comment the exact same thing. Part of growing up is knowing the difference between company, companions, and actual friends. Likely, this group of people are individuals with destructive vices enabling and keeping each other company while they do it. They aren't friends

[@javaskull88]

I wonder if they’ll still be his friends when he’s homeless and broke.

[@SnacksToStacks]

They're not friends. They're vice buddies.

[@robinlemcool4807]

When he runs out of money, he will see how many friends he really has.

[@brianolsen396]

Buddy is stocking shelves and trying to be a baller… you’re in the beginning of the grind montage before the balling sir

[@toomanyrads3827]

He’s in debt chasing a high from getting 200 bucks…this isn’t a financial audit, he needs help. “I’ll bet on anything anywhere” is a cry for help

[@pappy924]

For real! Sad thing is, like any addiction, gambling, drugs and alcohol, or even porn, no matter how many times he wins he will always be chasing that first $200 high. $200 will never feel that good again.

[@Dfthg-bz3hp]

" I bet you can quit gambling for 10 years" 🤓 check mate

[@pappy924]

@@Dfthg-bz3hp buddy is bad at gambling remember? He’d lose that bet in the first week

[@wafflebutter1649]

As an ex smoker, the words “if I really wanted to quit…” translates to I don’t want to quit

[@alionanoelle9951]

I’m developing a crush on Caleb because of how level headed and blunt he is

[@ShayraBaby]

I had a crush on him after 2-3 episodes. I like honest and smart men. It breaks my heart to see him rag on himself about his weight when he’s cute and a catch.

[@dlo7798]

My father is 65 and has been in active gambling addiction for 30 years. It ruined our family and caused us to be homeless. I really hope this guy gets help. He was so casual in the way he was describing why he was addicted. My dad still asks me for money and makes up excuses for why he needs it. It’s a real strain. I hope this guest can turn his life around before he ends up like my dad.

[@black_rabbit_0f_inle805]

At least he doesn't have kids.

[@arfriedman4577]

I'm sorry about your dad. I was told my cousins grandfather was a gambling addict. I never knew him.

[@Crijoe]

This episode is sad. This kid needs professional help. He's very clearly not open to it. He's screwed.

[@samanthafreeman4315]

He isnt gonna learn until rock bottom

[@Crijoe]

@@samanthafreeman4315 Agreed

[@nancycozier4018]

​@@samanthafreeman4315Sad but true.

[@Glow-n16]

It hurts so much watching these videos. People around me keep telling me I need to learn to SPEND. They are worried I don't have the quality of life I should have because I'm too frugal. Yet I'm sitting here in front of the computer and I see people dishing out money they don't even have on things they don't even need. What's wrong with this world?

[@pandoramcgee8114]

I was wondering if I was alone in this. “You’re going to wake up and realize your life was boring because you didn’t spend on ‘experiences.’ You look depressed.” All because I’m not a sucker for instant gratification. Can’t be happy without that, huh? No one ever considers that seeing a number go up in an account can make a person happy.

[@Glow-n16]

​@@pandoramcgee8114 Number going up is a nice + of this style of life, but for me it all comes to 'is it worth the money they ask for?'. Most of the time the answer to that is 'no'. On the bright side, last time I broke a cheap blender and decided it was the last time, I had money to go buy a Vitamix that I'll be able to put on my will, and I'm over 30 years from retirement. Last year I was talking to a guy who had 12$ left in his account the day after he received his paycheck. I asked him what was going on. I took a pen and paper, asked him a few questions about his spending habits. Everything was fine until I asked him how much he spends to eat on an average day. He told in the most serious voice '30-40$... No no no... Probably more like 40-50$'. Turns out that guy was eating fast food 2-3 times a day because he doesn't like to cook. That + an energy drink addiction. I asked him if it makes sense to him to be earning 120$/day before taxes - more like 90$ after the taxman - and then spend half of that for shitty food. For him, it was well worth it.

[@turtleanton6539]

Indeed

[@bjdenney]

Nice to see Caleb helping his estranged Son work through his finances

[@avpubynf]

This guy’s situation is so dire. He badly needs treatment for his gambling and alcohol addictions. There’s no simple fix, he needs to change his entire life

[@WormTamer]

I feel like his friends are high earners or get a lot of money from their parents and he’s trying to keep up/thinks he’s a high roller.

[@TexBirdie]

He just seems like a very insecure guy trying to keep up with his friends group or to seem "cool" to other people. He lit up when he said he had box seats. He is trying to keep up with his fake friends & also rob peter to pay paul.

[@TheMt45]

Maybe, but, I feel like this guy may actually be the problem of the friend group, the bad influence on others, the one that takes things too far.

[@captainforrix956]

​@@TheMt45 easy there, we'll never know what he's actually like beyond what he's said. Dude's got no impulse control based on his addictive personality, id wager he just doesn't say no to anyone

[@papabear2515]

Caleb, you are wise beyond your years. He 10000000% needs a therapist. He is so young, so deserving of a good life. He obviously doesn’t know or doesn’t feel a sense of self. My best bet is he’s had something traumatic happen in his life and the addictive behaviors are “covering” the pain/shame, etc. A good therapist can definitely help him

[@JimiSparx-yw3gb]

No, he needs to pay the CONSEQUENCE for his ACTIONS, not have some weak beta zero listen to him winge about his self made problems. Remember, therapists NEVER TELL YOU WHAT TO DO, they just doodle on their notepads and call time when the session ends, giving you NOTHING of value.

[@GardenLikeAMother]

@@JimiSparx-yw3gbI think you might need a therapist mate

[@winry2357]

It seriously depends. Some people just have addictive personalities. I have never had anything truly terrible happen in my life, my parents were (and still are) very supportive and doting, but I notice an addictive personality within myself. I specifically tend to eat too much sugar even though I know it’s bad and I really don’t like it. I notice that if I spend a buck on my phone game, I tend to actually spend $10-15 a day for a week or more at a time before I catch myself. Buying books makes me happy and I can easily catch myself buying a dozen at a time because it feels good and I love them. I just recognize these behaviors and their consequences. I avoid doing these things as much as I can because it’s still destructive. I can easily spend 18+ hours playing video games and not even realize that the time passes. There isn’t any trauma behind these things, it’s just how the brain chemistry makes me feel when I do these things and I’m weak enough to want that feeling constantly. Could therapy help? Maybe. But the only therapist I’ve ever had immediately tried to put me on benzos 10 minutes into my therapy session when I was there for my anxiety. She pushed them for the three sessions I had, then ghosted me on my fourth either because I kept refusing the meds or because she went on a rant about Trump supporters deserving to get Covid and die when I told her my father got covid and I was worried. Completely turned me off of going to therapy.

[@pamelaliegh]

@@JimiSparx-yw3gbyou didn’t get enough hugs as a kid eh? It shines sadly through your words. 👎🏽👎🏽

[@JimiSparx-yw3gb]

@@pamelaliegh - Coddling losers and addicts just continues the addiction. Ask any former addict, they have to hit rock bottom.

[@barrelagedsophie]

I use to be somewhat addicted to gambling, what helped me was moving to an area where I don't have access to gambling. Honestly, I haven't spent a dime since I left Oregon.

[@hannahbanana84237]

My dad had a gambling addiction from his young adulthood basically and it caused so many issues for us (his future family). He also died at 67 on the floor of his job which was coincidentally a casino. Dude, get help please, if not for yourself, for the future people who will love you and be in your life.

[@chiax8776]

My mom had gambling addiction as well, it wrecked so much.

[@nicksimadis2086]

He's 22 and has already ruined his life financially. Bravo! This is what hanging out with the wrong kind of people for your life gets you. Trying to keep up with "the boys" to fit in will destroy you.

[@fkscopes]

He can declare bankruptcy which will probably be good for him as he can't handle credit anyway and have a fresh start at 30 (hopefully by then he's learned)

[@supkirsten]

I’m sorry, maybe HE is the wrong kind of friend that someone else in that group is hanging out with. He has absolutely ZERO desire to change and justifies his behavior, in fact he REFUSES to change. He’s a bad influence

[@youtubescroller350]

This hit bad for Caleb, I imagine it would give Ramsey a heart attack

[@Tolovelu]

The $85 into principal vs $600 into interest on his car note fucking SHOOK me

[@danielthompson505]

I had to pause and see if I actually saw that correctly. Looked more like a mortgage than a car payment

[@summer5586]

I legitimately felt nauseous when I saw the car loan details on the screen. I paused the video and just stared trying to mentally accept that over $600 of his $696 payment went to JUST INTEREST 😵😵‍💫🫠🫣

[@arh1234]

These 5-7 year car loans have brutal amortization

[@PhilAccio-pi8so]

“It could be worse” Nah man, this is probably the worst. Holy heck

[@philwill0123]

All of that... And I hadn't even got to the car.... Holy heck

[@LegDayLas]

it can always be worse, that doesn't make it a valid excuse to not change.

[@neocortex_84]

That Caleb vs. Evil Caleb Episode is a banger.

[@LindsxRose]

“That certainly means something to someone” 🤣🤣😭😭💀💀 I am dead and I hope you know I’m going to use that Caleb

[@joshuagoodey578]

Feel like that needs to go on a shirt of Caleb doing the “but that’s none of my business” Kermit meme

[@Ironmom-momsolo]

Why give a 20 year old a 30k credit limit on a card?!? I started out with a $500 limit!

[@nancycozier4018]

It's a win for credit card companies. When I turned 18, I was offered every credit card under the sun.

[@sheenmccart14]

Real. I’m 32 and I think my highest balance is maybe $15k?

[@GreatAlex-fo7we]

500??!! My first was $300😂😂

[@elliotalderson4568]

I feel like he has a family that is higher income. Not many people I know that have the freedom to go golf everyday and knows multiple friends that have $200k cars they like to race.

[@gotenkes]

​@@elliotalderson4568I get that sense too. Poor people don't go golfing or racing. It's a really expensive sport/hobby

[@TheKIDmotovlogs]

As a 30 year old gambling addict (I don't gamble anymore, but I'll always be an addict) please get out while you can. Gambling addiction is so much deeper than just the gambling. It affects relationships, it affects your decision making, it makes you numb to the regular, not adrenaline inducing things of life. When you get older you will be depressed and bored and broke. It only gets worse as time passes especially if you keep increasing your risk level because the high becomes less and less. Life is peaceful without gambling. Find better things to enjoy! there's a lot more to life.

[@Greg_Nieves]

Bro is cooked. -$30K/yr income -$40K car loan -gambling addiction -$14K on season tickets that he can't even sell for another 4mons (when we see this episode) I feel like I got punched in the stomach just listening

[@TLA123y6f]

It's this feeling like he's on the tracks with a train barreling towards him and he doesn't want to move. We all can see it - except him.

[@brycenorman370]

Also only reason he made money on the wolves tickets is because they were good for the first time in 20 years

[@sarampeters]

@@brycenorman370I was thinking the same thing. When they suck, you’re not going to sell them at all.

[@jamesjameson2050]

Not just a 40K car loan, 40K on a 23K car.

[@get.sassyxd]

He mentioned the credit card dropping his max June first, so this is actually a really new episode. I hope he turns his life around 😢

[@cupcakeordeath]

That “I gotta eeeeat” kills me every time. Did Caleb not just discuss thermoses and sandwiches with you??

[@arh1234]

PBJs freeze well - batch making them weekly. Baby carrots - buy a bag, split into baggies. Sliced fruit, chewing gum, soda, yogurt....

[@Wrecktalbeads]

@20:26 😭💀my favorite reason Caleb isn’t an actual therapist. Full mask off just handing it to these people.

[@Bean_McQueen]

Holy sheet, ive never heard of a credit card company LOWERING someones credit limit 😂

[@caleb2159]

It can happen if you don't use the card for a while. My amazon card that I paid off years ago and haven't used went from like an 8k limit down to 1500. Last I checked to see if it was still open.

[@caleb2159]

But this is the first I've heard of someone's being lowered for being used too much.

[@skatardrummer1]

Sometimes they close your card immediately when you pay it off because they don't want you to use it again and see you as to risky. I paid off my Care Credit a couple months ago after paying off thousands for my cat and always paying on time. They decided I was too risky and closed the card immediately after the last payment.

[@NapoleonicWargaming]

My bank wanted to lower my overdraft limit because I've not used my overdraft in over a year. Told them no. (Better to have it and not need it, than need it and not have it)

[@TheMelegence]

Srsly!

[@bradywtf]

I was scared there wasn't a sweet treat today

[@CalebHammer]

Sweet treats unless holiday :)

[@tsnap6446]

They had jelly bean sweet treats!

[@tomslauskis426]

Hats off to this guy for coming in. As ex gambler I understand how hard is to a say that you have a problem. Good luck buddy

[@brandonparker119]

Saw a clip of his gambling rant on TikTok before watching the full show and immediately went on to baileys online casino NJ found the self-exclusion signup and banning myself for the longest possible which is 5 years from all online casinos in NJ and it’s been literally one day and I feel the weight being lifted knowing I can no longer fuel that addiction

[@haremmabugatjr.5651]

People really need to keep in mind that "the house ALWAYS wins".

[@modernNeanderthal800]

Not if it's ran by Trump

[@RundbarkKonark]

Not true, sometimes he wins

[@dwightrenfield2241]

No. Over time, the house ALWAYS wins.

[@luisalvarado-ib4dv]

It’s like the old saying the casinos are way nicer than ur house lol 😂

[@juliet4093]

@@modernNeanderthal800what in the world? What does gambling have to do with Trump?

[@A_Schimizzi]

I have a gut feeling the friends circle is a bit older and even dumber with money. The comment about how his friends have over 100K cars was something that stood out to me. Between that, gambling, golf, drinking, and season tickets...he is living an Instagram lifestyle through credit card debt. Its unfortunate but the majority of people now a days live this way.

[@Lowlight91]

Yeah… it’s an older and/or faster crowd that likes having the kid around and doesn’t care that he can’t keep up.

[@tsunderecafe]

He said going to the track is a drinking experience, do his friends even really have the cars? May also not know the actual price of the cars. Bro bought a Chevy Equinox, he’s not an enthusiast.

[@misslight5731]

I just want to share my gratitude to Caleb and all the people who come on this show looking for help, as well as those behind the scenes making this show come to life. After tuning in to a couple of episodes I’ve found that I too have some steps to take to improve my financial situation. Thank you all for the wake up call and best of luck to all who are being financially conscious & responsible.

[@katherinestark3078]

The gambling is rough but I almost fell out of my chair at the Timberwolves season tickets. What the hell, that's a wild decision.

[@joycef8443]

Yeah, I am at that part right now. This guy is a dope!

[@119jle]

Plus the team sucks

[@connabrazzell5761]

He's doing that in an effort to fund the gambling

[@ScorpionXXXVII]

And he's not gonna make any fucking money like he thinks

[@terraLiquidus]

Buying NBA club level season tickets is perhaps the stupidest thing I’ve ever heard on this show.

[@Bigguy2112]

"Its an investment " "What the fuck are you talking about ?"😂😂😂😂

[@capybarasan3655]

“I’ve always looked older” Man literally looks like an overgrown 12 year old. Wild.

[@briansager3744]

"I've always looked older" just means you're a fat kid 98% of the time.

[@Edward-hn8ed]

I'm so glad gambling isn't one of my vices. I just hate losing money more than I like winning it.

[@piemon22222]

It's so depressing

[@derekdoll6451]

Same brother

[@michelejohnson6459]

Plus I can't stand all of the noise and smoke 😒

[@Mrmysterious-dj1ov]

Never like gambling or betting because most time you loose why would want play games where going loose ?😮

[@lunartragic]

Bro misread his car insurance as Gamepass and he wasn't even paying enough attention to know something was wrong.

[@sarashann]

Such a nice, young man. First step is wrapping his head around his addiction. Nothing good happens until he fully owns that. I'm rooting for him!

[@wadedevinney9681]

Winning is the worst thing that can happen to a gambling addict, especially early on

[@ObserveJeremiah]

Bankruptcy seems very likely in future.

[@rebuiltblowfish6855]

Gambling addiction is a terrible thing. I hope this guy gets the help he needs to quit

[@Dfthg-bz3hp]

And in the same box: micro- transactions for people coping/ escaping reality / feeding their ego of superiority by spending money to feel better than " normal / nonpaying" players.

[@bulletron3000]

Went to new Orleans with my cousin and did some gambling for the first time. Dude was hooked in a matter of minutes. His wife ended up having to wrestle $50 out of his hands before he finally agreed to leave. Really responsible guy usually, it was insane seeing him like that. Don't gamble.

[@Dfthg-bz3hp]

His wife sounds abusive wrestling him / going hands on 😳

[@nicklopez3461]

It’s crazy, isn’t it? Everyone has their thing that gets under their skin, I think.

[@winry2357]

@@Dfthg-bz3hpsome people need a physical reminder that they’re being stupid.

[@applefarm6126]

@@Dfthg-bz3hpNo.

[@Mrmysterious-dj1ov]

Mines physical affection 😢it’s not as bad some people but cost 💲 me and I’ve had fight it to keep things in cheack

[@Oil_Rig_Roy]

What Caleb is forgetting is that this guy is one hand away from a really big score

[@chelseaparrott8983]

My husband is a recovering alcoholic. He lost a lot of friends in the process but he also gained a ton of new ones. If you pursue your sobriety and bettering yourself you will thank yourself everyday for it. Also, if you go through a program you will meet tons of awesome people. So then you get more friends who are good for your life.

[@MoneyMindsetCoach3]

He is 22!! So sad to see him doing this with his life!

[@carolynsmith158]

Hey Caleb it Carolyn from California. Thank you for what you do, Caleb this guy has a worse problem than gambling. I’m not a therapist but I feel he needs to mental and psychological help . I think behavior stems from his child hood. I think something happen when he was child to cause this behavior. He has to have his friends which makes him feel wanted and a sense of belonging. As I said his problems stems more than gambling, his problem is within and he really needs to seek help. I hope he gets the help that he needs.

[@harrietxo2310]

@DushDhajdngm🥸