Taking Out Student Loans To Buy Fast Food 3 Times A Day | Financial Audit

[@OmGiTsMeTaStY]

Financial Audit is more addicting than a TLC show.

[@lewiii17]

LITERAKKY

[@lboston4660]

how do you know it's not secretly funded by tlc?

[@lookitsadoor]

TLC needs to give him a show lol

[@elijimenez7710]

The people that sign up to appear on this show KNOW they have a problem and WANT an intervention. This is bizzare! Did this poor man’s mother never cook him a home cooked meal and now the bacteria in his gut is where his paycheck goes to?

[@MelindaMae]

Agreed 👍🏼💯

[@KiwiKolonge]

I love the irony of the decision to finance a refrigerator but eats out 3x a day essentially making the financed refrigerator pointless 😂😂

[@Alejo2am]

It's to hold his fast food leftovers duhhh😂

[@chris_in_hd]

I wish he would of caught that lol

[@PBMS123]

@@notrealy180217 we arent rewarding behaviour, America is letting predatory lending practices continue and just do nothing about it, but then blame the people who end up with the debt, and you know NOT the banks or lenders preying on people who can't manage their finances. Hell in Australia the government forced an overhaul of lending to ensure that banks were confident that borrowers were able to pay back debts. Seems like America hasn't caught onto holding lenders accountable, even after the scandal of sub prime mortgages.

[@steve19149]

Watching numerous videos here proves CALEB is so obnoxious

[@TonyCox1351]

@@notrealy180217 and you think that Jewish bankers are trained by their faith to give predatory loans, while Christian bankers give more favorable rates? Is that the implication by pointing out their religion?

[@shilohmorris5527]

He was fighting for his life over the sugar daddy scam. 😂

[@richardmoreletters]

This is the best spoiler ever. Now I have to finish the video.

[@kSuss100]

Funniest thing ever.

[@nineteenfortyeight6762]

If you had payments to or from "Daddy" (not your dad) would you show that to Caleb? 🤣

[@chesh1rek1tten]

​@@nineteenfortyeight6762yeah. If it's something I would want to hide from like public I'd ask to like.. blurr and beep it

[@dongyan8717]

He def paid for something sketch n got scammed lol

[@soapa4279]

Legend has it, he’s still figuring out if it’s $1000 or $2000 a month after tax

[@Desire85102]

😂😂 ion know how to calculate that shut either 😂

[@samueljensen9896]

Caleb really isn't a very good listener.

[@nicolahannigan433]

caleb is a bad listener, but this dude also changed his wording like 1000 times in the first 2 minutes LMAO i don’t think he had any idea how much money he makes

[@grace.1123]

That Daddy bit was one of the funniest things that has happened in a Financial Audit episode. He literally was trying so hard to not get into the topic 😂😂

[@7671234]

😂

[@dmacarthur5356]

Dude deff has a sugar daddy.😂

[@HealthySkepticism1775]

100% sexual favors for old guys on grindr

[@hvathlete2]

I’ve never seen a man tap dance so fast over a question 😂

[@Roberob1189]

I fucking died laughing watching this part. This dude wild.

[@eojj14]

Dude got a 2017 car gifted to him, but wants a new electric car.... bro.

[@vandatomasa]

meanwhile i'm hopping to get 10 more years from a 2001 year car to avoid buying a new one 😂

[@clanwargods]

I will take it off him, my 2007 car is at death's door anyway lol.

[@martymcfly88mph35]

​@@clanwargods Kia?

[@pietercrause5646]

I sell salvaged car parts, i dont think ive seen a 2017 sentra yet. Most people in my country drive 10 to 20 year old cars and would view a 2017 car as basically brand new

[@clanwargods]

@@martymcfly88mph35 Nah, Pontiac

[@JulsToPete]

Dude... every time he justified his 3 coffees a day as 'food he needs to survive' I punched my desk so hard that now I need a new one. I'll probably finance it with klarna.

[@kenya1067]

😂😂😂😂😭😭😂😂😂😂

[@BRob-bu8hr]

Make sure the desk is three times to big for the space you need and please… be sure to default on that klarna debt. /s

[@thelegionisnotamused8929]

Bruh. I go through a can of folgers in like two-three months for like eight bucks.

[@andrij.demianczuk]

@@thelegionisnotamused8929 Folgers?!? Seriously upgrade that shit! Maxwell House is where it’s at! 😂 (seriously though lotsa love for both Folgers and MH :) )

[@JackHanma-vu2dy]

I just take pre workout. More caffeine per serving and cheaper overall.

[@ZacharyGruyters]

If you think Caleb should wear a heart monitor during audits say AYE

[@DalXe.]

On screen heart rate monitor lol

[@Grace-ey7pk]

AYE

[@arialismartinez1256]

I lowkey love that idea but his health tho

[@WillmobilePlus]

I feel bad for him because he likely went into this thiking these young people "got a raw deal" and that's why they are broke and a mess with money. Now he sees that 99% of the time they are just incompetent and reckless.

[@novousabbott4926]

AYE!

[@ryanlemmers5300]

Dude drives a free 6 year old decent car and he can’t wait to ditch it and take out more debt. Seems like an stereotypical urban planner

[@ParkerBG]

The moment he said that I stopped caring about his success

[@LuisRickyHurtado]

I drive a 2011 Jetta SE and my mouth was open when he said he wants to replace that old car 💀

[@imamish]

@@LuisRickyHurtado my dad drove a car that was 7 years old when he bought it it's now 16 years old. My dad replaced it recently with a other second hand car but a bit newer. Some people spend so much on cars they have to loan so much it's ridiculous.

[@nineteenfortyeight6762]

They're always diggin up good old infrastructure to put in crap ... and get kickbacks from the crap vendors

[@willmahan4161]

I drive a 2008 ford ranger and am way happier than I'd be in a newer car with a car payment I have to figure out how to pay each month lmao

[@HairyTornado]

I can’t stop watching these videos 😂 The “daddy” cash app thing needs its own episode 😅

[@isaiahcalhoun822]

It def needs to be a youtube short. Would bring in hella views

[@rsbah]

it was hilarious lmao

[@codypwnsu]

i need more info

[@connieho5271]

What's even scarier is, he want to manage how a city spends tax dollars....

[@margostarcruiser1083]

This is exactly what I was thinking... eek!

[@-_-_-_-318]

God help us

[@Bmc2021]

He would fit right in

[@PumaM90]

If that scares you what do you think of law enforcement officers wasting millions of tax dollars in lawsuits?

[@jimmyoryan2257]

U bring up a great point ! That should almost be a prerequisite for that position. If ur personal finances are fucked then u can’t be in charge of the cities lmao

[@reallunacy]

It kills me that he's sure he's going to make $60-80K a year, but seemingly doesn't know what job he would actually be able to get.

[@juliazhang3600]

😂😂😂

[@Nathan-en9dn]

quite a few college grads have no idea what the salary of the job they are working towards makes. I don't live in Austin or LA, but going rate for urban planner, first year, is about 50k in my city. Have a friend who does it.

[@dj_bae]

Entry level jobs are NOT paying that these days lol. They should be, but they aren’t.

[@sammcminn8634]

I work as an entry-level Planner and make a bit over $40k - the jobs this guy is thinking of are either hypercompetitive in a large city or mid-level experience

[@emclaire18]

Lmao what I make more than that as a barista

[@brandonquinn3879]

Caleb is a content master, really capitalizing on the growth of his channel by putting out so many high quality videos each week

[@cerebrumexcrement]

gotta respect all the folks who go on his channel to get roasted

[@baconquest]

@@cerebrumexcrement o

[@laminage]

I would be so embarrassed 😢 and ashamed. This fellow needs to tighten his belt like nobody's business. I live at 🏡 with my mom after the death of my father 😢 but I crunch numbers like nobody's business.

[@tatianabritton6258]

The “Daddy” transaction had me in tears I was not expecting that 😂

[@Twophoness]

It amazes me that not one people that has been on this show understands that they can grocery shop and avoid eating out when they are poor

[@floridamanHooning]

The masses have been brainwashed into thinking that fastfood is cheaper. It's insane that people think that healthy food is expensive. Unless you live in a food desert there is no excuse

[@OmGiTsMeTaStY]

I love how he politely informs them that they are not a "Credit Card Person."🤣

[@thepearlswirl]

and they don’t believe him everytime😂

[@kevinh5983]

I don't think these people even realize that there is a wrong way to use them.

[@jamiehensley2728]

no but it's so true. It took me a lot of trial and error to realize I am not a CC person! I have one credit card that I only use if I have the cash to pay off immediately.

[@travisbrown3723]

Some are, and some aren’t

[@YTonYahoo]

*him

[@frescosmalls]

it always amazes me when people say they don't have time to make coffee in the morning (2 minutes max, while you do other things like get ready) but will spend 5-10 minutes at their favorite coffee shop every morning picking up a coffee

[@tinyfrog881]

Seriously! It takes 1 minute to dump grounds and water into a coffee maker. But driving out of your way, waiting in line, waiting for them to make it... you're not saving any damn time.

[@clanwargods]

Right? Get a Keurig, slap the coffee inside and chill. It's not that hard lol.

[@ally3783]

I make a massive thing of coffee on Sunday and put it in a container in the fridge. Boom, way faster than sitting in line at Starbucks

[@Fierriel]

I French press coffee, which is a more time consuming way to make coffee but I heat up the kettle while feeding the chickens (my kettle is old and takes a while) then let it brew while feeding the dogs and getting ready then pour it to go or a mug if working in the office that day. I don’t grind my own beans and the 3 pound container of Costco coffee grounds lasts me just under a month

[@applepenguin5074]

Wake up. Put keruig pod in machine. Brush teeth. Put 2nd pod in. Wash face. You're done. It takes max 20 seconds of time.

[@paintingwithbilly2092]

I went to school with Edwin. He used to skip classes to get fast food and when he came back everyone would ask how he had the money to buy fast food 3 times a day. He said he opened a chase credit card and basically you don't have to pay it right away so it's like free money. I said you better be careful because you might eventually start taking out loans to buy fast food 3 times a day. He said no that would never happen. Well well well

[@TheMweezy28]

lol

[@amandabiz]

is this real wtf

[@amazinglyshook]

I'll take the $100 for "things that never happened"

[@dj_bae]

Are you being for real? 😂

[@imhassane]

damn

[@netteloveszebras]

When I was in college I fed myself on $20-30/week. I ate rice, beans, frozen veggies, oatmeal with raisins, Folgers coffee. I could afford to eat out maybe once per month. I don’t understand how people can spend so much on fast food and tell themselves they don’t have TIME to save the money that they’re bleeding by spending on fast food. Saving that money is SOOOO worth the time.

[@lilac7192]

My brother cooked rice and beans all through college then ate free food from the Krishna house on Sun and their holidays cause our mom couldn’t afford to get the meal plan. Poor boy got SKINNY!!! But came out of college with barely any student loan.

[@jpmnky]

A lot of folks just plain refuse to learn how to cook the most basic meals. Plus fast food is addictive. Some of the best looking people I’ve met had their figures destroyed by fast food alone.

[@nineteenfortyeight6762]

Better food too!

[@ASimpleHorse]

Also, if ya gonna eat fast food just buy frozen chips and other shit. Still shit food however 1/4 of the cost.

[@謬]

And to think your tax dollars are going to be used to bail out yhe kids who chose to eat out everyday rather than buckle down like you did. 😂😮

[@ThePocketFox]

I would love an official Financial Audit app, but it must come with audible alerts every time I spend outside my budget. "Nooo, why are you doing this?" "Stop! Stop spending money on BS!" 😍

[@unquiettag]

He should make it into a ring tone! I'd gladly buy it and set it for all hours of the day just as reminder to not go over budget 😂

[@Narcdani]

Now this is an idea!!!

[@MrRyan718]

Every time you make a stupid purchase, it should say MAKE A SANDWICH 😂

[@ThePocketFox]

@@MrRyan718 HAM, CHEESE, BREAD

[@MrWogle1]

I’m going to write this app

[@realmac3k]

I love how Caleb is super direct. “Do you have a sugar daddy?” 😂 ❤

[@dabrick100]

Sounds like it's a promiscuous internet scam

[@christinamanzo689]

No but I need one if you know one

[@immortaluglyfish2724]

I need an executive level breadwinner wife

[@liyuche2695]

@@christinamanzo689 Shameful

[@chrismail]

I dropped my coffee

[@crytkryssus9851]

What Caleb said: "Do you have a sugar daddy?" What my brain expected Caleb to say next: "Get one."

[@CentaurTesticles]

Bro sometimes I half expect it even when that hasn’t even been a topic 🤣🤣

[@genxx2724]

He should. Would he rather pimp himself out, or make food at home?

[@nikki-qb7iq]

An at-home espresso machine company should sponsor you 😂 it seems like most people on this show have a problem with buying coffee at a cafe too often

[@Lauren_C]

I use a Moka Pot. While not necessarily a true espresso, it’s quite good, and there’s no parts to really fail. And burr grinders are available for under $50.

[@danielh4995]

@@Lauren_C Ill throw my hat in the ring on the moka pot hahaha. I occasionally get a craving for an espresso type drink and it seems like the most economical option. No way im spending the $$ on an espresso maker that makes coffee shop quality espresso.

[@arbitraryalias9825]

@@danielh4995 If people cant even make coffee at their house I very much doubt they will be making espresso. Even w/ good equipment it is not easy, especially 1/2 asleep. Moka pot is a solid option, but most of these people just need a $20 Mr. Coffee and a blade grinder to see if they can handle brewing their own 😂

[@preciousgem881]

​@@Lauren_C agree on the moka pot! They make nice italian style coffees 👌 one moka pot will last a lifetime!

[@cerebrumexcrement]

me who doesnt drink coffee except on rare occassions than its instant coffee

[@sylacauga]

When a guest mentions they have a car, Caleb always shows a pic of the car like it's some piece of incriminating evidence. 😂

[@theycallmefilip]

Caleb ruthlessly pushing through the "Daddy" plot made my day!

[@RJSoul75]

I feel these stories because I was JUST AS BAD in my 20’s. I have no room to judge; I feel like Caleb is doing the Lord’s work.

[@87Strong]

Saint Caleb 😂

[@dusk5956]

Right! I’m yelling at myself right now 😂

[@yessicajessicaa1400]

Am exactly 20 right now and this is exactly how my bank statements look like... I need to stop eating out!!

[@RJSoul75]

@@yessicajessicaa1400 you can do it my friend! Try to cook a large meal maybe on Sunday and try to split it up for a few days. Food can easily add up!!!

[@heidihansen2132]

I would love to see a video of Caleb taking these people on a grocery shopping trip.

[@viva6648]

Grocery shopping and meal planning is definitely a skill! I grew up in a family that ate out almost every day, and when I got to be an adult, it was hard for me to learn how to properly grocery shop, cook, read recipes, plan. It seems so easy to many people if you grew up in a family where someone cooked regularly, but it took me a while to understand and get efficient.

[@lilybliblablubb5023]

And slap them on the wrist every time they get out their credit card for unnecessary take-out lol

[@blastfromthepast7119]

Caleb is fat, i really dont think he knows what hes talking about with these groceries.

[@rjmari]

It's funny how people say that they have no time to make food. That's 100% not true. They just don't want to eat "poor people" food. Or they want to eat out to make themselves feel better about their lives. Ham and cheese sandwich takes 30 seconds to make and pack.

[@genxx2724]

@@rjmari How much time do they spend ordering and picking up the food? They can spend that time cooking, save a bundle, and have better health.

[@Driver8takeabreak]

This is another great lesson: Don't have a ton of checking accounts and credit cards. It is so much harder to monitor your spending and accounts.

[@christopherbownes494]

One checking account. One credit card. All you need.

[@user-ls5yp9px7m]

Or just learn how to manage them!

[@simonnguyen692]

idk how monitoring ur spending could ever possibly be hard. you should know what you’re spending even with auto payments

[@Driver8takeabreak]

@@simonnguyen692 The point is: why make it harder on yourself? The simpler something is to keep track of and follow, the more likely you are to use it.

[@simonnguyen692]

@@Driver8takeabreak maybe i’m not at a point in life where my spending is hard to track

[@lilredexptsc]

It’s crazy how every audit you put out is so binge worthy. I have no problem watching a 40 min video of yours. It honestly only seems like 20 mins. I get upset with you at these people. I’m glad our situation is not like that.

[@deyarunima]

I was about to order on UberEats, saw the video, felt like Caleb was scolding me. Just made a scrumptious meal at home. Will watch one financial audit video every time I feel like ordering in.

[@mattbenz99]

Uber eats is the worst. Call the restaurant, many of them will delivery for free (plus driver tip).

[@nineteenfortyeight6762]

I drove Uber Eats and was baffled at the huge amounts of money people spent to get crap delivered. Then my friend pointed out ganja is legal now.

[@NewscasterNews4]

If you’re gonna eat out at least go to the restaurant and get it yourself. Unless it’s pizza will never understand how people are so lazy they’re willing to stomach all those extra delivery fees

[@10toFIRE]

It's not a financial audit until Caleb and the interviewee get confused and argue over how much money is made each month

[@cerebrumexcrement]

🤣🤣🤣🤣🤣🤣

[@NickOloteo]

Caleb was dumb at the beginning. The guy said $25/hr at 25 hours.

[@asdlkjaweqx123]

@@NickOloteo yeah, Caleb kept changing/not understanding what the dude was saying

[@SKetChy7100]

Holy crap this one killed me. I can’t understand how someone can sit there complaining about being poor when they eat out that much!

[@lane1776]

And work part time

[@nedtechgirl]

Bullshit excuses

[@CB-ke5xx]

​@@lane1776the part time thing while going to school is perfectly fine. Studying and going to classes takes time. What is insane is eating out multiple times a day, gourmet coffee every day, etc. I guarantee this guy has zero idea how to cook. I saw it so much in college. I had been cooking family dinners since I was in middle school and could make normal American dishes like pot roast, chicken noodles, grilled chicken, burgers, spaghetti and meatballs, etc. My roommate did not know how to make easy mac. Seriously. He ate Donatos pizza almost every single day and reminds me of this guy. His parents were footing the bill tho 😂

[@briansmith8390]

but he wants a masters degree in something worthless and an electric car. Life will be hard for this demtard.

[@kfitz192]

If he can read, he can cook. LOL

[@austin4330]

Man in Financial Ruin: "I dont have time to cook" Caleb: "Oh f$$K off" My favorite thing Caleb does. LOL

[@chrisrunsthis]

To some it might seem rude but sometimes you really need someone to tell you that. It sure helped me!

[@margostarcruiser1083]

I love his brutally honest response!

[@bryanwagner5971]

Works 25 hours a week doesn't have time 🤣

[@HillbillyYEEHAA]

I'm not even joking here, when I worked at mcdonald's, there are families that go there 2 to 3x a day. One child didn't know what pineapple was. Nobody can tell me eating mcdonald's 2 to 3 times a day is cheaper than buying food and cooking it.

[@AaAa-xl1ot]

Sorry Caleb that first initial mess up with figuring out monthly income was on you man 😂 he said it like 5 times lol 😂

[@Latreace]

Every audit is literally golden! I would love to have an audit done on me but I’m too scared to be called out on my BS 😅

[@vchafab]

Same 🙈

[@tmusa2002]

Same but would consider it if I could be anonymous.

[@johnnytacosauce]

You'll face your fears 🤣

[@coolasice1993]

If I can get a free plane ticket I'll do it or zoom call

[@sarahwaters8262]

​@@coolasice1993 Same. I live too far away from Austin but I think it'd be good for me. No debt at 42 other than my house, but no retirement. 😬 I need Caleb to kick my ass

[@elaca5775]

I think it would be helpful if you broke down the participants spending similar to the circle graph you put on the screen for the audience. Then if they say "I don't spend a lot on ______" you can show them their allocation (i.e., you spent 45% on eating out, 50% on rent, 5% on misc) or something of that nature. I just think there's a common theme of responses of "I need ____because (fill in the blank)" When you break down their current spending allocation compared to the advice for spending allocation maybe they will be able to see what needs to be changed more clearly.

[@sixteenseven123]

This needs more upvotes👍

[@Sofia-ge5wu]

Yes and totals of just how much a month they're spending on coffee, eating out etc. It's easy to not really take in the reality of the spending when it's just ten dollars here or there and people justify it as a want. But when you say you spend 400 dollars on eating out, coffee 200 dollars etc people realise how it adds up 😊

[@edancefitnesswitherika1780]

This ☝🏽

[@CB-ke5xx]

The chase app actually gives breakdowns for all of this and shows dollar values too. Nothing will make you feel shitty like seeing you spent $600 in a month at restaurants.

[@imchris5000]

all it takes is a few seconds of putting numbers in excel to do this

[@ilovebeee1]

The guy was actually explaining his pay correctly in the beginning, I understood perfectly that he gets paid about $1K twice a month after taxes, Caleb was not listening /not understanding correctly, he made that way more difficult than necessary

[@CalebHammer]

Yep :)

[@Opm0316]

Agree

[@o0laieta0o]

Yeah I got frustrated with Caleb there. The guy said it wrong just once but then he said it correctly like 10 times 😂

[@daliaa5294]

Agree

[@cameronwhite9742]

I didn’t get it at … bro what is your check after taxes. This is super simple question. I couldn’t blame Caleb at all. This man is 25 sounds like he’s 16 not judging, I just hear a teenager when I hear him speak.

[@johannaliem4974]

Through this channel I’m finally getting my shit together. I’ve gone from the 540s to seeing my credit finally cross the first threshold over 605. I know it’s still bad credit but with this budgeting style Caleb teaches I should be debt free by the end of the year and well on my way to 700 once the utilization is low. 5k out of 18k down! It’s just the beginning but I really can credit this channel to my new found financial literacy

[@rjmari]

Keep up the great work!

[@Ibnblackbird]

Let’s gooooo

[@DevonEtAl]

I’m a single mom, working 40+ hours a week, and getting my bachelors, and I STILL have time to meal prep! I only eat out twice a month.

[@FirinMahLazer1]

Man he sounds so harsh telling people how they don't need to be spending money on food etc. but honestly I think a lot of these people need to hear it. Kudos to the people willing to lay it all out there

[@blastfromthepast7119]

Hes still fat himself, id love to see him change that.

[@bigdome9322]

if you think this is harsh, you haven’t seen other youtubers. he’s not harsh at all

[@nineteenfortyeight6762]

They're not spending money on food, they're spending it on service

[@dirtyxbl]

I’ve been watching financial audit since the beginning. And never did I ever expect to hear “do you have a sugar daddy?” I almost spit out my water.

[@gracephillippe]

Same 😂 I’m dying this is great. Caleb was so serious I love it

[@drewo6388]

I love Caleb's outbursts. " There is enough time to push BREW!!!!! on a...Keurig machine!" "Bird Bird Biscuit, Bird Bird Biscuit, BIRD BIRD BISCUITTTT!!!!!!"

[@camtaylor593]

The one thing that stood out for me is 🐓🐓 biscuit 😭😂

[@scotthackney4747]

Thank you for making this video. I'm almost 21 in undergrad with very similar spending habits to this guy. I've been buying coffee or food almost every day this year and didnt realize how bad of a habit this is. Luckily I found your videos and I'm deciding to take budgetting seriously. Ive already taken out $18,500 in student loans and havent even considered how I'm going to pay them off in the future. Fortunately, I dont have any other debt and I'm glad I saw this video before I end up in his same situation. Thank you

[@genxx2724]

Why were you eating out and buying expensive coffees? It’s a spoiled, entitled thing to do. It’s not a wise use of your money.

[@mattbenz99]

Here is the thing to keep in mind. You are 21, you literally have 44 years before standard retirement. You can easily be a temporarily embarrassed future millionaire if you budget, save, and invest consistently. Every $1 you invest today will be $88 at 65. That means you only need to save $109 a month from now until you are 65 to be a millionaire at 65. Even sooner if you can get that up to 300, 400, 500 dollars a month. You are at your prime savings years. Just keep that in mind when making financial decisions.

[@Theman26642]

If Caleb was calm, level-headed, and not comically derisive, this show likely wouldn’t be so popular.

[@CentaurTesticles]

But somehow he is calmer than he should be. Every time. 🤣

[@HillbillyYEEHAA]

He is an equal mix of empathetic and assertive with people.

[@nineteenfortyeight6762]

I think he should get calmness credit for not beating some of these people with a chair

[@Theman26642]

@@nineteenfortyeight6762 would you beat someone struggling with any other addiction with a chair?

[@Zimzum93]

@@Theman26642what addiction are these people suffering? Seriously? As a recovered heroin addict, being dumb with money is not an addiction.

[@drewkinnee167]

"I have to eat" drives me crazy 😂 such a terrible justification

[@sergpie]

I don't get people's obsession with having a brand-new car, brand-new phone, brand-new pair of the same damned shoes. Like, if you drive a dying Daewoo, cool; homeboy has a paid-off vehicle from 2017, and he's making it seem like it's a two mile walk uphill, in the snow. Seeing my generation be adults is really sad and frustrating sometimes. We're the summation of the fat-free, timeshare, put-everythg-on-Mastercard, buy 2 get one free craze.

[@davidwang7489]

I make a great income as a software engineer, I have a higher net worth than most people on this show will probably ever see and I drive a 2011 Subaru Impreza (AWD, with an extra set of snow tires, something Aleena from the last video should've gotten instead of her expensive SUV). I know new cars are nice but how do these people think they can afford them when even I balk?

[@gomezchris276]

I can’t get enough of this show. Im a financial accountant for work and every video amazes me

[@speeddemon0712]

I work in the closing department for a mortgage company... almost every single borrower are like these people. Tons of debt, out of control spending, no real emergency fund (outside of their tiny down payment). I don't understand how people do it.

[@daliaa5294]

I’m an accountant too. And these stories raise my blood pressure

[@omotayosatuyi252]

@@theoneonly5368 uh yeah it is

[@lilybliblablubb5023]

The worst thing is he's had accountants audited, people who handle other people's money well but fuck up their own like how is that possible

[@lilac7192]

“YOU CAN GET GROCERIES!!!” I keep this in my head whenever I drive by my fave donut/coffee/ramen/etc shops now! 😅

[@angelad7445]

I’d love to see one of these episodes with someone with their life together and listen to Caleb and them discussing how they did it and what their decision making process was.

[@knighthawk9123]

I want to be on there

[@tomsbondars]

Dude has a paid off 2017 car and he wants an upgrade working 25hours a week?

[@XxCaptNKnucklesxX]

Wild

[@kunya16]

When he talked about it being old so it's time for a new one... My daily is a 2000. We also have a 2003 and felt real bougie when we got a 2014 for 3k.

[@tomsbondars]

@@kunya16 Same, when he sait it's 'REALLY old', a thought that popped into my mind was - oh, like a 2005 or something? And he goes BAM, it's a 2017. And he wants to go for a new car AND electric?! Dude!

[@kunya16]

@@tomsbondars with his spending I'd be afraid of taking that sort of loan on. I *hate* car loans anyway and have never had one myself. But he'll get a loan.

[@gidgetgetscrafty]

It sounds like he wants a more eco-friendly car, but he needs to get a full-time job and save up for a while first (and at least put down a hefty down payment.)

[@LOLZHAHANOTFUNNY]

Caleb I'll bet you my entire paycheck that your espresso machine is in fact called a "Breville" not a "Brewville" ☠️☕️

[@H.A.L96]

Brewville is tight.

[@Caseyd1966]

​@@H.A.L96 and it's super easy, barely an inconvenience to use 😊

[@CalebHammer]

I can’t do words good

[@kimaparks2592]

@@CalebHammer 😂😂😂😂

[@andrieudrinkscoffee]

Caleb, can I send you some beans? I’m a Q Grader or a sommelier for coffee! ☕️

[@chase4397]

Thanks as always for the consistent upload! Love how structured your interviews have become, while still giving tailored (not official financial) advice to each guest

[@Batfastard14]

Saying you want something “newer” when you already have a 2017 year car is a perfect example of why so many Americans have stupid amounts of car debt

[@Twinkie989]

I highly recommend buying a lot of frozen foods and an air fryer to anyone who struggles with buying lots of takeout. It is the same thing most restaurants do- you can even buy restaurant branded frozen foods- and is cheaper. Not the most nutritious, but if you are already just eating fast food, you'll save money for the same thing.

[@kunya16]

"I need to eat! I need food to live!" Groceries. An oven. A stove top. Groceries. All the truly poor people just gasped in unison.

[@Thegrandpineapple]

If he’s living in a 400 sq ft studio he may not have an oven? I’m surprised this wasn’t asked.

[@kunya16]

@@Thegrandpineapple get a crock pot, get a toaster oven. "Some people live on studio apartments without an oven" is not a valid reason to go into debt for fast food.

[@Sam6721]

The fact that these people can figure out how much they net and how often is infuriating. I'm in debt but this series makes me feel better about my situation.

[@gabelincoln3608]

Don’t let it

[@austintomkewitz3981]

Yeah you can always do better don't watch these to feel better I watch these to learn about financial coaching it's something many people don't know they need

[@Sam6721]

@@austintomkewitz3981 I understand. I've been lucky enough to put myself in a much better situation when I was 18/19 etc.

[@tiamat_023]

I went to the management office for my apartment place and had some business. The girl asked me at some point "Do you need to know how much you pay in rent?" I couldnt help but look at her like she had a wang growing from her head. I asked "Do you often get people in here who dont know how much they pay in rent?" I couldn't believe it. lol

[@TigerTT]

It's funny watching this series and then learning just how popular buy now pay later options are becoming lmao.

[@blackbeardbarkbark]

I'm worried he's going to go from 2k to 4k a month with his new job, and all of it will go to food. Scary.

[@po2709]

He won't be limited to the dollar menu anymore.

[@Pilot_air_on]

Caleb got confused about his income. Dude was explaining it correctly. Just found this channel and thoroughly enjoying it

[@SoL600rr]

My favorite part is when he clowns everybody for how much they eat out🤣 makes me realize how much cash I spend on food as well😬

[@lilac7192]

100%…for me it’s vegan donuts and the local tea & coffee shops…😵‍💫

[@quarantinelife.]

Same here 😭🫠😂😂😂😂😂

[@genxx2724]

@@lilac7192 Vegan and “local” . . . oh, that makes it okay. 🙄 I get a takeout meal ONCE a WEEK. I use my money for MY benefit. Plus inflation and increased wages and benefits have made even fast food way too expensive. I used to get a $9 teriyaki beef bowl from the sushi counter at the grocery store once a week. It had a lot of beef and I could split it into two meals, with my own vegetables. It was a cost-effective treat. Now they started putting less beef and took up the space with a few more vegetables that aren’t even cooked. I stopped buying it, and I told them. They’re saving money by shrinking the serving. I’ll save money by not buying it anymore.

[@EVANHIRSCHMANG]

Awesome to see you have someone who is a planner on here! Im 26 and went to school for planning as well, but I'm currently a survey technician. It was interesting to hear him say he wants to work for local government or politics.

[@Lauren-yq3ds]

How much does a planner make out of school for real?

[@EVANHIRSCHMANG]

@@Lauren-yq3ds highly dependent on location and what type of planning. I haven't looked at jobs in the field for quite a while to be honest. In California entry level can be like 60-80k sometimes even higher. I'm in NJ-NY area so probably more like 50k starting. Working for local gov or non profit I have seen jobs in the low 40s.

[@InternetUser._]

@@Lauren-yq3ds I do surveying for a utility in California and do 110k before OT. Was doing that 6 months out of college.

[@savagesmallengine3991]

So you wonder why the government is hesitating approving the student loan forgiveness. Fast food really?

[@brookestokes4654]

@@Lauren-yq3ds I’m a planner one year out of school w/ a bachelors making $60k in Minneapolis

[@ihopethis1]

Coffee setup: $12 Inexpensive French press $30 decent electric kettle $38 cheap burr grinder (optional) If you wanna grind coffee buy beans else buy ground coffee from grocery store for about 13 a bag for a good brand of coffee should last a little over a week for a cup a day, or buy coffee in bulk from Costco if you can

[@cs8712]

haha cheap coffee grinder go burr

[@cryinginstyle]

I thrifted my SCA certified coffee maker for $60! But that’s if you love black drip coffee like I do

[@aarondavis6174]

And that makes a better cup of coffee than most drip coffee makers

[@dj_bae]

Trader Joe’s has a coffee grinder in store too. You can pick out your can of beans, grind them all up right back into your container, and for one person it should last well over a week.

[@BLKWIDOWX]

you don’t even need a kettle. use the stove. that’s free. at home.

[@cjd4219]

Caleb I think it was you getting confused hahah. He was right

[@relatableguy2232]

That’s what I was saying! Haha

[@CalebHammer]

Yeah 🤣🤣

[@typicalairhead6846]

"you're not a credit card person" must be the best advice anyone can give to people struggling financially. it's not telling them right away to stop everything because it will definitely just rebound and make it worse (just like in fast diets), it's telling them that you can spend money but use other ways to do it like debit, budget wallet etc., until they get a grasp on how to spend carefully.

[@hugodesouza5052]

Caleb bruh, don't be such a sad boy about being single. You're one of the few youtubers out here actually changing peoples life for the better. Confidence is about having achievements under your belt and you have plenty mate :)

[@Gravel22Gaming]

I'm relatively new the the channel, but I think it would be awesome to have some of the people you've spoken with come back after 6-12 months and see how they're doing financially. Would be an interesting way to see if they've implemented your suggestions into their routines or if they got the promotions/pay bumps they spoke about during their financial interrogation.

[@CalebHammer]

We’ve had a few :)

[@Extreme_Gardening145]

​@@CalebHammer and they've never taken your advice even one time.

[@CalebHammer]

@@Extreme_Gardening145 1 was an improvement!

[@Sofia-ge5wu]

We need Zeke back again 😊

[@paige2620]

I want to do an audit so bad but I’m terrified 😂

[@thepearlswirl]

Same😂 haha it’s rough right now.. aint no way give me 2 months then I’ll be fine lol

[@Tatorrella]

@@thepearlswirlSame like give me some time to clean things up😂

[@ninchemarie]

right?! i’m too sensitive 😩😩

[@kye6381]

He gives you the option of being anonymous

[@_Wai_Wai_]

I wanna get on Caleb's show just to brag.

[@JoshEbersole]

It’s amazing how many people you interview don’t know how much they make exactly. I check my pay stubs every week and know how much I make every month.

[@spencer7197]

It's hard to sit down and look at your finances and get real with yourself. I was basically running on empty at the end of each month. So I decided to see where I could cut spending...Holy shit, I was embarrassed that my almost daily trips to the gas station to get nicotine (and invariably drinks/snacks) cost me 600 the previous month. Yeah, I'm two weeks into a nicotine free lifestyle now. Nothing could get me to commit more than a day or two to trying to quit...But seeing that shit hurt. I get that the nicotine wasn't all of it but the convenience of getting other things while I was there to feed an addiction got me. Seeing this man's vids definitely has been helping me make progress in other areas as well lol

[@lilac7192]

Awesome! Yayy you! 🎉🎉🎉

[@kyotodreams3306]

Congratulations. I’m trying to get on the same boat.

[@actorsinsider9967]

This guy is proof that a formal education doesn't mean your intelligent

[@woodside4life]

Or “you’re”…

[@THAPOKEPINBALLER]

I can’t stand people who do this. No one cares. Everyone knows the difference between you’re and your or there and their and they’re. The fact you need to correct it for likes shows who you are and it’s pathetic. Become an English teacher if you wanna do this bc it’s embarrassing

[@rjmari]

What do you even mean? Everyone knows that having a "formal education" doesn't automatically make anyone smart. We all went to school and can remember how many idiots were in our classes. Did you mean "higher" or "university" education?

[@stop08it]

It’s obvious what she means lol, its not like it’s a completely new thought. Stop nitpicking to make yourself look smarter, it’s exhausting for everyone.

[@ParkerBG]

You must be irony-impaired

[@samuelvenegas2889]

At the beginning he answered the questions correctly and Caleb confused himself and flustered the guest

[@GeeHood666]

Right lmao like wtf

[@JT-lg8ve]

Dude that was hilarious I was like they aren't even speaking the same language anymore

[@littlemouse9900]

Yeah like the wtf he's making the dude confused. He gave him the right numbers and Caleb was changing the frequency of his paychecks. Lol 😂

[@riebread13]

being honest and open about scams is how we prevent them in the future. shame keeps these things in the dark and lets them continue. i got scammed when was a kid and a few times since then, lost an ipod and a few hundred dollars worth the lessons

[@dannydevito2587]

although i agree with the benefit of transparancy 100% im assuming there was embarassing stuff involved which he didnt want to publically share with all us viewers. Can't be sure but a friend was caught in a similar sounding scam after 'meeting' someone on a dating app which could be a similar thing here.

[@riebread13]

@@dannydevito2587 exactly the embarssment keeps these things in the dark. Its hard but necessary to talk about these things to prevent it in the future. Not asking to name names but to talk openly about the experience.

[@TiPeteux]

Dude have a 2017 car ALL PAID, work 25 hour a week, but want a ''nice'' electric car. The fuck is wrong with some people !?

[@MasterXXL3]

Love this show and I try not to miss a single episode. I've always been relatively good with money and spending, but this show has really shown me the value of creating a budget and having that additional overview and control. Thanks Caleb!!

[@CB-ke5xx]

"It's going to take some time to change my spending" aka "diet starts monday". I swear 90% of Americans would be in so much better financial shape if they just saw the dollar value of what they spent on restaurants each month. It is apalling. Thankful for this channel as I am now aware of my own sins and where I can improve. I used to carry monthly balances on 2 credit cards but I just paid both off in full this week. Thanks for spreading your knowledge!!

[@kimdoe5889]

I have been recommending this channel everywhere. I love how easy it is to understand basic financial literacy. Thanks Caleb!!!

[@14Ramjet]

Just a note to anyone who may be interested in making espresso drinks at home. There are, from what I believe, two options for machines. The breville he talks about in the video and the Gaggia Classic Pro. The former comes with a grinder built in which is fine and the latter is just a machine where you need to buy your own grinder. I have the Gaggia Classic Pro and have done some small modifications to make it perform better. I say get the breville if you just want espresso and don't care beyond that, but get the Gaggia if you want to grow in the hobby as it allows for more control. Just make sure to get a good grinder that can grind fine enough for espresso, it can either be electric or a hand grinder. There are plenty of youtube videos to help you on an espresso journey or to just inform yourself.

[@mattmurphy4037]

Why do we never see groceries on anyone’s bills???!!!

[@TheMweezy28]

they’re not buying groceries because none of them cook

[@kunya16]

Don't need groceries when you're eating out most of the time.

[@chitownkidd33]

The amount of millennials and gen Z who don’t cook ever is higher then you think

[@theglobalistchannel1471]

@@TheMweezy28 because they don't show up as groceries in your statement?

[@CP-dr7qy]

@@theglobalistchannel1471 but at least a target or Walmart statement

[@FunInTheSun808]

It amazes me how many single people don’t realize that they have the ability to work 2-3 jobs to pay off debt amazes me

[@Sneaky-Snek]

this guy answers extremely simple direct questions that 99% of the time require a short direct answer with things like "well this one time when i was 15 i was into leggos, and that led me to snorting eggo waffles twice an hour"

[@manderzx0x0]

I told myself I wasn’t going to purchase any Starbucks this year, it’s been 3 months thanks to imagining Caleb side eyeing me in the store 🤣

[@kyotodreams3306]

Genius 😂

[@bee42Sad]

He may want to check how much a city planner / NGO position pays! Its going to be closer to $40-50K to start out for a decent job.

[@bng229832]

Your hesitance about condo makes no sense. He’s paying $700 towards an asset he can resell in the future for some value, at least, regardless of appreciation. The alternative is paying double that to a landlord with nothing to show for it at end of the day. There is absolutely no opportunity cost - this is not money he would’ve/could’ve saved otherwise

[@alibella248]

I’m so addicted to these episodes!!! Listening when I’m cleaning, doing cardio at the gym, lunch breaks.. thank you!

[@WeDuMedia]

My blood pressure went up hearing that kid talk about the Sentra. Such a nice gift, a really nice car. But buddy can't see his blessings

[@gavingreenough7612]

“Do you have a sugar daddy?!?” 🤣🤣

[@po2709]

I was like wtf did he just ask him.

[@bryansmethers8936]

I love this show so much. The cash register ding swear words make me smile every single time :)

[@TheCbone1979]

I love my 99 Sentra, been driving it for 24 years. Keep what you got Evan, and drive those car payments into investments. You will be very very surprised with the returns after 24 years.

[@ludens1526]

Honestly watching people fail with money is entertaining because I’m in a very good financial position right now due to my personal sacrifices I have $0 debt, savings , 2 paid off mustang gt’s and live by myself and make $40k a year and the same age as this guy 25 as a black man in America we are usually seen at the bottom. It makes me want to keep hustling and reach my financial goals.

[@ludens1526]

I watch these videos to remind myself to stay on track. Everyday life has many distractions that will knock you off your grind 💪🏿

[@benjaminjcklin-wilks7954]

40K 🤣🤣🤣

[@Pain_Ito]

@@benjaminjcklin-wilks7954how much you make doesn’t matter as much as how you handle that money, so yes, 40k

[@Sar-ahG]

You don’t need two mustangs though … Caleb would have you sell one and invest the money (still though good on you congratulations)

[@meganmccomb7425]

Loveeee these. As an American who moved abroad to get a higher education without student loan debt, absolutely love this grilling. I also grew up with parents who struggle to manage their finances properly and am majoring on financial analysis myself...This is the content I live for hahah

[@nineteenfortyeight6762]

Well done

[@10toFIRE]

All these finial audits are the real world result of not teaching home economics in school anymore. A generation of people who don't know basic life skills, like how to cook their own food or how a credit card works.

[@51rickjames]

my high school school did have those classes but barely anyone took them seriously. those same people who've chosen not to pay attention now complain years later about how they never had economics classes in school.... haha

[@cerebrumexcrement]

i took woodshop instead of home economics. that was my only chance to take it. never saw it available in highschool. but then cooking isnt that hard. my cooking isnt good or bad but its enough to not die from starvation.

[@cerebrumexcrement]

also who needs it taught in school when its free on youtube

[@randylittle2475]

Works 25 hours a week but doesn't have time to make some food and coffee!?!? Crazy

[@thorneto2742]

Grad school is no joke, 25 hours on top of that would make for a very busy schedule

[@adamseidel9780]

@@thorneto2742 if you think grad school is that bad just wait until you are in the actual work force (hint: you’ll long for grad school)

[@chkngrl]

@@thorneto2742 I worked 40 hrs a week or more, carried a 17 hr course load and still cooked. He's just lazy. Even if you don't cook, it's cheap and easy to get a loaf of bread and some sandwich fixings,cereal and milk, granola bars, fresh fruit, etc. You can get by with groceries and NEVER cook.

[@cerebrumexcrement]

hes also in school. so he'll need to get creative when it comes to food. not sure about his living situation but ive lived in housing with no kitchen. still remember when i made mac and cheese in a microwave. crazy but it worked. best mac and cheese i ever ate.

[@thorneto2742]

@@adamseidel9780 I’m 34 with a university degree already but ok lol

[@authenticallyallison]

2 min in and Caleb is already hyped and yelling. Yea, this should be a banger

[@maryanne1367]

I’ve been binging your episodes for a while and the common sense for folks with good education amazes me ( not this guy per say) but either the nerves or stress of the situation….I am really impressed with your patience - congrats for doing this!!

[@genxx2724]

Bingeing. Per se. 😀

[@calebhudson8310]

These videos and your channel have been so helpful to me. I am in my late thirties and was great at budgeting and staying out of debt through my twenties but was also making very little money and wasn’t putting anything towards retirement or investments. As my income got over six figures my spending got more and more out of control, and at the same time I was turning down opportunities to work and make more than I already was. It was so easy to lie to myself that because I have a lot coming in I don’t need to think about where it’s all going. I recently made another big increase to my income, financed a new truck, and finally began to think about what I am doing with my money and why I don’t have so much more in savings and investments. Your content has motivated me to redo my budget, stop ALL of my excessive spending, start taking on all the extra work that I can, get rid of this STUPID truck payment, and begin investing aggressively. Thank you.

[@oregongrowntexastransplant]

I need to figure out how to use audio of Caleb angrily saying, “Bird Bird Biscuit” anytime I open my wallet. If it isn’t a bill or groceries, Bird Bird Biscuit, shut that wallet you financial misfit 😂 That would be incredibly motivating!

[@KryptonicHD]

The videos never stop getting better and better. Caleb, I'd highly recommend you try adding a #(number) to the end of the titles, so that way if someone wants to look up a specific video they can just search it up that way! I say that because I'm always recommending people check out videos but sometimes the titles can be similar! Keep up the great advice!

[@hatecriminai8241]

Really don't like subsidized housing going to an able-bodied young man with no dependents. This guy was more aggravating than Monday's girl, which is saying something.

[@Justsayingthat]

I would love to have an opportunity like that. Would love to hear more about this.

[@rebeccashields9626]

Agreed. I totally get it for single moms who have kids and are struggling, or people who are disabled or mentally ill. But a single healthy dude in his 20s? My tax dollars are paying for WHAT? Does he realize how lucky he is to be able bodied and have an above 100 IQ and live in a developed nation and he needs subsidized housing?

[@b7Hn4eX8yv4m]

Hours in a day: 8 hours sleep 30 minute commute 8 hours work 90 minutes gym 30 minute commute 5.5 hours for whatever - Cook, clean, shower, shave, wipe your ass, study. If you're not belly up to a bar every evening, you have time. Adjust as needed for your own lives.

[@saltybrackishfresh]

This show makes me feel really successful and blessed 😌