The Stupidest Car Debt I've Ever Seen | Financial Audit

[@adrianrodriguez4765]

So since watching Caleb I had 12k worth of credit card debt and now down to 3k of debt these videos keep me on the right path

[@adamseidel9780]

Way to go, keep going man. Think of all you’ll have to invest and reach goals soon.

[@ITSMINECRAFTTIME32]

Same I had about 1800 on my 3 CC and paid them all down to 0 this month

[@censordeez]

Same here. Idk what it is that triggered something in me (probably when Caleb’s blood pressure goes up) but I’ve knocked out all of my debt and am working on my credit now. It’s up over 60 points in the past couple months!

[@kirkpritchard]

That’s awesome! My wife and I had about $100k in debt. 🤦🏻‍♂️ I’m actually working on a video about it lol.

[@1juliasana]

WOW 👏 CONGRATS

[@Dis_is_fine]

You really gotta give it to Caleb for his youtube consistency, wow.

[@adamseidel9780]

Dude is striking the hell out of that red hot iron

[@berri6015]

Seriously a GOAT

[@williamedward3198]

What are you, a bot?

[@brycereid7047]

Caleb just got himself into some bad debt is working overtime to pay them off. I just saw him behind the counter at Panda Express.

[@laminage]

​@Bryce Reid Go on! Caleb needs to come to Canada 🇨🇦 lots of folks could use his help.

[@nytheprincess]

Me and my husband would joke about being too lazy to change tires so we just buy a new car… this guy took it forreals 😭

[@fishdeeck71]

Meanwhile, I HAVE to change tires twice a year...

[@13isa45]

It made no sense either because a nice set of tires for the ram will cost just as much or more😂

[@clanwargods]

@@fishdeeck71 Right 😂😂😂 the justification is wild lol

[@keisakura9014]

@@responsibleaccount3918 - as someone with a Smart Car, the maintenance isn’t all that high. My last tire replacement was about $350, but that was because we replaced the rim at the same time. I also provide my own parts so I don’t get hit with the shop’s markup. 🤣

[@mister-amazing]

Those trucks only last 10 years? My 15 yr old yaris runs like new!

[@TOXIC-jq3ry]

"im getting into the weed industry." "What does that mean" "Im the customer" is the correct answer for this man 😂

[@juditharsenault2131]

NY is suspending growing weed for profit. Not sure why. All those farmers who grow medical marijuana or weed to sell in dispensaries and have invested in equipment and infrastructure are going to lose their shirts. My son worked for a hemp farmer during harvest. The guy planted mostly weed this year. The funny thing is they're dragging their feet on paying him from last year's harvest. At least he can still grow hemp and sell it.

[@codyziegler9388]

Dude said his income was plenty to live on and then has thousands of credit card debt and 60k debt in vehicles. What a crazy episode!

[@lot2196]

Yes. Insanity. Needs to lay off the weed.

[@erinkerbs6789]

I meet a lot of people like this who are or were in the military. I don't know why they think this is ok.

[@challajuzalei6126]

@@erinkerbs6789 sometimes the military is the last option or only option for people. Generally this includes people who have little to no financial knowledge due to their upbringing. It’s sad, but not surprising that many times we find veterans are bad with money.

[@erinkerbs6789]

@@challajuzalei6126 I do think that's part of it. My husband went in for this reason, but he wanted to learn to get out of the mess his family was in, not make it worse. On the other side, debtors prey on service members. There are car lots, check cashing places, pawn shops, and more just off every base, and the Star Card and other debts from the BX/PX and others on base. But the military also has classes on finance like from Dave Ramsey and Suze Orman. They also have the TSP for retirement which is one of the cheapest retirement options on the market. Also, healthcare is almost free for them. I think there are a lot of reasons there are so many military members and vets in financial trouble.

[@challajuzalei6126]

@@erinkerbs6789 oh, absolutely! I think we agree on a lot here. I’m glad your husband was able to learn and not fall for the traps that many veterans fall for. My dad is a similar way. He grew up poor and the military provided direction for him. He already had a scarcity mindset going in (which your husband likely did as well), so I think that also dictates much of his financial behavior. I think that all I was saying in my comment is that people like my father and your husband had a foundation of at least fear (I don’t want to go back to xyz) that drove them to financial success. Unfortunately, a lot of people that come from that aren’t able to turn it into something positive. As you said, when the debtors come and they are able to provide that feeling of “having something” it’s often time’s irresistible to people like that. They didn’t have anything for so long, so now the idea of having a nice car or whatever the purchase is draws them in.

[@willb9259]

I always wondered how people were affording $70k trucks with a $1000 monthly payment. That's crazy fr

[@cowboys4lyfjv591]

Yup everyone just keeping up with the Joneses

[@conrado800]

Plus the gas money and insurance… I’m so happy to drive a paid off electric car that I charge at home for 2-3 bucks

[@frankc.astle214]

I actually know someone that pays over 1k a month in just a truck payment. He tries to get me to buy a new truck like him and I just laugh it off. I don’t need those problems 😂

[@ramonhernandez571]

@@conrado800yeah but then you got to drive electric 🤣

[@conrado800]

@@ramonhernandez571 yeah but then I don’t need oil changes 🤣

[@SKetChy7100]

“Is that your mom?” “No,that’s my girlfriend” 😂😂😂

[@misslola145]

What’s the time stamp?

[@MarcoOlivares92]

​@@misslola145 31:00

[@codyziegler9388]

I absolutely lost it at this part haha

[@WhatIsThis-zq4hk]

Fucking brutal.

[@pissip]

That's gotta sting

[@4wardlobster]

I’m a financial advisor at Morgan Stanley and deal with clients who have CC Debt. I really enjoy these videos and have implemented your techniques with discussing these bad debts. Thanks for what you do and just know that it is genuinely helping Americans save more and get out of debt.

[@daveSoupy]

@@tymondabrowski12 "WHY! WHY do you have all these stoupid fast foud perchesessss?"

[@philg3759]

So who’s paying for free KZbin advice 😂

[@wmluna381]

Have you yelled, "Taquitos, Taquitos, Taquitos!" yet at one of your clients?

[@salimrandall]

Every month I imagine getting audited and yelled at by you. I’ve curbed my irrational spending and stopped eating out. Thanks Bro.

[@preciousgem881]

Me too! Caleb is the voice of reason in my head 😂

[@jonnyp5252]

Shew! I thought I was the ONLY ONE....who hears him IN MY HEAD when I put ANYTHING on a CC.....😂❤✝️

[@Explorebotanicalbeauty]

I do the same thing and it’s kind of hot 😂

[@Kingolimar354]

@@Explorebotanicalbeauty wdym hot?

[@crystalbrown4158]

For real. Caleb’s voice stops me at the gas station. “Taquitos!?” In that high pitched voice. Now I get my gas and scram.

[@alk672]

The dude is in and out of a mental facility, divorced, no reliable job, on a permanent disability - and still he's somehow doing better financially than a lot of people.

[@JtSpade]

He gets paid 43k a year (tax free) just to wake up. No property tax, no vehicle registration, no co pay for insurance etc... it's a lot of benefits that come along with 100% VA Disability

[@A1223-v4i]

Makes you want to join the Marines right lol

[@JtSpade]

@user-es3zu5zd1g been one since 2001. 😎

[@hondofitty]

f-no, no blood for oil@@A1223-v4i

[@87clits]

VA is rewarding this kind nonsense.

[@markboccia2433]

You should do a financial audit for the federal government

[@lovemacheen9189]

Idk, we all love Calebright? I Don't think the good ol guberment would look kindly on him snooping around their spending. Good way to come up missing.

[@TheRealE.B.]

"Well, you spent $5,000,000,000 to make sure that starving children didn't take too many food stamps, but you only spent $2,000,000 to go after $100,000,000,000 in billionaire tax fraud. Also, a lot of your infrastructure projects seem designed to be welfare for big construction companies rather than attempts to build useful things that will make citizens' lives better. And you could probably just cut middlemen like TurboTax out to let you either raise taxes or save your taxpayers money."

[@darex0827]

IDK if he'd live through that. His blood pressure would be over 9000!

[@JDSanders85]

Haha that’s what the Office of the Inspector General does. But if you do please start with the VA.

[@barkydarky-op4jx]

@@JDSanders85 apparently they don’t do a very good job

[@ryansalyers6027]

Disabled vet here. This guy just needs to get a job. Wish him the best.

[@heatherlovesdeuteronomy]

He's on full disability according to his pay, so he can't.

[@ryansalyers6027]

@@heatherlovesdeuteronomy yes he can. Apparently he is trying to get a job trimming weed plants.

[@heatherlovesdeuteronomy]

@@ryansalyers6027 I just found out, depends on what kind of 💯% disability he has, I asked my husband who also is military disabled but he's only 80%.

[@2011blueman]

@@ryansalyers6027 He's not rated total and permanently disabled, only total, so the second he gets a job with a W2 his payment will be reduced or eliminated. He's committing disability fraud. There is absolutely no reason he should have been rated as 100% disabled for that Okinawa assault nonsense story, and the reason that he's trying to be a marijuana trimmer is because they pay under the table in cash so he won't lose the disability payment.

[@fastm3980]

​@@ryansalyers6027under the table 😅

[@kathrynkroll5700]

Caleb you asked if his girlfriend was his mom?!?! Best burn of MANY on this ep. 😂 It's so interesting to hear how his story around how his finances were going changed in the beginning from "things are so good, I have a house. I'm helping my parents." To, "yeah, I'm nickel-and-diming myself into a corner." I definitely had a moment in my life where I had to face the music of constant indulgences. But holy $#!+ 35+k in debt! Hope ya lock that spending down, best of luck dude!

[@jonnyp5252]

It made ME uncomfortable and I'm at home! Lol Guessing she looks a lil tired and is a bit older....😂❤✝️

[@BirdieMac]

This channel came along at the just right time for me and it helps me a lot because regarding financial choices, I always think, "how stupid would I look on Financial Audit?" Thanks, Caleb.

[@CalebHammer]

Thank you!

[@yourgoodfriendkit]

Me too, I just found this channel like a week ago. When I'm about to swipe I hear Caleb saying "Your interest rate is disgusting!" Lmao

[@janelleg597]

Good choices pay off😊

[@JuliaMarieH]

Fr, I brought a lunch to work today and I almost ditched it to get tacos but I decided against it because Caleb would yell at me for spending my money on bullshit 😂😂😭

[@brandonquinn3879]

I think like this all the time, blessing and a curse lol

[@ScarfaceMartinBeats]

That side eye from Caleb kills me!

[@chrisr6828]

Wait until he sees truck tire prices!

[@jeredubz24]

“ Ah those tires are out of my price point…how much for that f250 over there ? “

[@Revert2017]

I am blessed to be on a high paying travel nurse gig. The manager offered my 2 extra shifts this weekend. At first I declined. Then, I was watching Financial Audit and I messaged the manager and let her know I will take the shifts. Thank you for keeping me focused on my financial goals, Caleb!

[@FutureDreamZz]

Yess keep grinding!

[@Ryhoiku]

6k credit card debt down to 1.5k!! Hopefully next month to 0 and get my emergency fund fat and happy. Thank you Caleb!!!

[@stevensasy12345]

Caleb you are the new and improved Dave Ramsey show. I can’t stop watching a couple episodes a day.

[@urskaufmann9565]

agree, it‘s dave ramsey but without the annoying religion and politics stuffed down your throat

[@martymcfly88mph35]

​@@urskaufmann9565 nah, Dave does a good job reminding people neither party will fix your life. Unfortunately, finances and stocks are tied to government so he has to comment on certain things (democrats causing mass inflation due to covid lockdowns that didn't actually help and other lefty governments destroying the global economy).

[@Metal7771]

For real, I don't see how anyone can only have a 1K emergency fund, while they pay off debt for 1 or 2 years, chances are something will happen.

[@adamseidel9780]

One of the best episodes in awhile, Caleb could really help this guy! He’s definitely got some very bad classic finance habits, but if he follows Caleb’s advice his good qualities will take over and he’ll have a great financial life. He’s helping his family, he got toxic people out of his life, he has a decent disability income but is still pushing for a career in a growth industry. He wisely picked a cheaper area to move to. Follow Caleb’s advice and you’ll have a happy and healthy life!

[@hofterup]

This guy is the text book "just out of the military" guy. They get all sorts of special low interest rates and whatnot, but that only seems to get them deeper into the mire. Not sure how to fix that.

[@miapestano766]

I used to compulsively check my grades in high school... it has now been replaced by refreshing KZbin for the new Financial Audit video!

[@justine8344]

Yay 😊😊 we’re being spoiled with new video everyday 😊😊👏👏👏👏👏👏👏👏I’m purposely watching EVERY ad so you can make money and make more videos everyday Caleb 😂

[@DailyMeditation365]

What's up with these people that buy $50k cars and trucks "so I can have a vehicle for the next 10 years." I drive a 15 year old Honda that is extremely reliable, paid $10k cash for it almost 10 years ago. It's insane how people try to rationalize taking on stupid debt. Wish you luck brother! Try not to rely solely on that VA disability. If you can make just $2-3k/month with another job, remove the bad debt, and start putting $1,500/month into savings/investments, you should be set for life.

[@jd8184]

Toyota gang

[@DailyMeditation365]

@@jd8184 another great vehicle! This guy could have gotten a Tacoma or 4 Runner and saved himself $25-30k

[@adamseidel9780]

also, like, even if you’re committed to the idea of driving a new car for 10+ years, you can still buy a $20,000 Civic rather than a 50,000 truck. Like he admitted, it was a pure justification

[@clanwargods]

@@jd8184 Pontiac Vibe here, but yeah Toyota gang lol.

[@mqayyum9226]

dude you have no idea what you are talking about. Any rational person when given $300 tire to fix for a smart car would immediately get rid of it and buy a $50k truck. Btw i think a truck tire costs around $300 as well.

[@jaad9848]

I can't believe the sergeant caused a lifetime worth of disability payments for the taxpayers over being 3 minutes late, that's completely unhinged

[@blary5298]

Yeah what the hell happened? $3800 a month is a-lot of money.

[@OGcynicalpotato]

Tbh sounds like there’s more to the story

[@elicash315]

All military dudes are now taught to get as much disability they can before they get out. Warranted or not. Total bullshit.

[@leahmcdermott4189]

It’s not always about money, what about mental health? I’m a taxpayer too but idc about the disability payments. Trust me, our tax dollars go towards far worse. My first thought is I can’t believe the sergeant caused a lifetime of trauma and PTSD for someone that was trying to serve his country. Have some compassion 🥺💔

[@thegreatgatsby9583]

Marines are unhinged… lol

[@heavychains]

If you buy a brand new car with 18 miles on it and only plan to have it for ten years ... that's crazy. Signed someone who drives a 22 year old Honda.

[@vanezaparisien9735]

it's really not that crazy

[@heavychains]

@@vanezaparisien9735 it's kind of insane. With proper on time maintenance a car should last well over ten years.

[@deadteddybears_7302]

Agreed! I still work on my parents cars, 98 Toyota @490,000mi and 07 Honda @371,000. Take care of your vehicles and they can go the distance

[@ky7037]

You also have to consider how many miles you put on it. If you drive 200-300k miles within that time frame I can see why a replacement vehicle will eventually be needed.

[@heavychains]

@@ky7037 guess it depends on the year/make/model. I see lots of Toyotas and Hondas going strong at 350k. Ive even seen some manual civics with 800k miles on an original engine and tranny

[@Flecsia]

Just want to say thanks to you, Caleb. I live in absolutely different country, so it's pretty hard to follow your advices word by word, but I've changed my expenses at 180 degree listening your videos and now can easily put some money into savings :) But even this is not so important. I've found your channel in a very hard period of life and your videos helped me a lot going through it just by entertaining and distracting from hard thoughts ❤

[@THEMATTHIAS225]

Honestly this channel has been some of the best service member interviews I’ve seen. Maybe it’s just me, but Caleb’s great questions and the nature of one’s financial life has been great to show the variety of experience, potential (good and bad) in terms of baggage and skills, and financial impact of the stress from service.

[@kimmawdsley6249]

I driving up on a Dunkin Donuts the other day and wanted to pull in and get a refresher drink ( I was 8 minutes from home) all I could hear was Taquitos taquitos taquitos😂 so I kept driving and didn’t stop 🤷‍♀️

[@SAHMtoRN]

I watch these videos for motivation, and there are definitely times I think “Caleb would be mad” or “Caleb’s blood pressure” and don’t order takeout or clothes online 😂 thanks, Caleb ❤

[@ShelleyJane]

I haven’t had takeout or ordered clothes in March - same amount of time I’ve been subscribed to Caleb! 😂

[@stevensanchez7740]

😂yea im not teyna get on here sooooo lets be responsible

[@ryansteffen-kw2ys]

I can't imagine have $1,400 in vehicle payments. And thats only between a motorcycle and a truck. This guys DTI is insane.

[@Jordybuilt]

I just lost it when i heard him say a $300 tire change is why i bought a 2022 Dodge

[@pilotoblackbird433]

Caleb is absolutely killing it

[@CalebHammer]

Thanks!

[@Beezhouse27]

Pulling for you Taylor, thank you for your service and best of luck on your financial journey.

[@BladedAngel]

23:40 I hate how often the "I was about to replace tires on it, so instead of spending a few hundred there, might as well buy a whole new car" logic happens. I hear it on a monthly basis in the various group chats Im part of and its just mad disappointing.

[@heartsandpulseras]

This was admirable for Taylor to come on and discuss some really dark issues and times of his life. I hope no one feels pressured to share more than they are willing to on here, but I also hope it helps for others to not feel as alone and that he is getting the support he needs. We're rooting for you, Taylor!

[@chrisbungenstock8552]

If this dude deserves 4 grand for getting chocked for 30 seconds, I deserve 10 grand. Lol you know how many times I've had my ass kicked? And he completely feel apart from being chocked? Yikes.

[@therealblondeabroad]

This guy gives me the biggest heevie jeevies I wouldn't trust what he says to make him sound like a victim. He also charges his parents rent so he could buy a new truck soooo.....

[@Dayelizavbeth]

Kaleb I literally love your channel. Thank you for being you. You have changed my mindset & changed my life. These are conversations I never had with my family growing up.

[@krissykay7940]

Thanks for putting these out, Caleb! I just started watching in the last few weeks, and I've been meal prepping, canceling subscriptions, planning my emergency fund, and figuring out how to max out my HSA and IRA. Helpful to hear "bullshit bullshit BULLSHIT" when I'm about to spend on something stupid lol keep up the great work!! You're much appreciated!!

[@Mavryck_Tha_Myghty]

I love my vets, and I’m all for getting one’s mental health “in order” - but this dude needs to take some personal responsibility and find purpose again.

[@derekgardner1861]

He's a professional victim. He even started by saying "it helped me" he knows what he's doing

[@generousmitch1674]

@@derekgardner1861 Yea it was interesting. I’ll be on disability but saying “this event helped me get this percentage.” Is weird. More like “this event is the reason I’m broken and get disability.” Kinda weird way to say it imo. Not enough to call him a professional victim though.

[@katelynbrown98]

​@GenerousMitch well I think the fact that he _kept_ buying new, unnecessary properties makes him the professional victim.

[@cashin1243]

The second I heard that I was done with any sympathy. I transported patients for a VA mental hospital in another career, so I’m just more exposed to it than most; But there are guys that took advantage of a situation to set themselves up for life and play the victim. Guarantee his unit in Okinawa doesn’t see the situation this way.

[@treyp8471]

Bragging that he's got a "new truck" and a Harley while he's also got maxed out credits cards and buying "blue chew" i.e. Viagra for his "extracurriculars" lol

[@Mightyhero777]

Bro, I say this with as much love as I possibly can, you’ve gotta push past your emotions. Right now, you’re feelings and emotions are running your life and determining your future; you’ve let them take the wheel. You’ve gotta take back control of your life, and coming on Financial Audit was a good first step, but you’ve gotta follow through and actually change things to see real progress. Life isn’t about how you start, or what cards you’re dealt, it’s about how you finish. Don’t give up on yourself and your life so soon. You’re only 30, statistically, you have so much more life left to live still. Just keep moving forward, even if it’s baby steps. 🙏👊✌️

[@groggdog15]

15:45 you did not get that system for free. I used to sell alarm systems for ADT. They make their money solely off selling you that 63.99 a month package. The equipment they say is free, but they lock you into that payment by telling you that your home will be a “promotional home” or whatever then charge you a crazy high monthly bill. I’d make $400-500 commission selling you that package.

[@2011blueman]

I'm honestly shocked ADT is still in business considering the Ring security systems are better and don't cost $64 a month.

[@mariguzman7752]

Just started watching your videos Caleb… your interviewing skills are AMAZING! Thanks for teaching me lessons every episode… I’d be terrified to be on this show 😂😂😂😂😂😂

[@newsletteraaron]

as someone who left Austin went to Denver, climbed the ranks in the industry to managing some huge 15000 square foot + grows, then left back to Austin as the wholesale cannabis prices went to shit... the cannabis industry sucks and for almost everyone its no better than being a cashier at a grocery store in most cases. the industry preys upon people like this guy who want to work in the industry and offers bottom of the barrel pay because there's such a huge swath of stoners who just want to work with weed. turnover is extremely high because a large percentage of people are allergic to weed (if you're allergic to ragweed you are allergic to cannabis even if you don't yet know it) pay is low, you get exposed to a lot of pesticides working in the grows, and you are surrounded by a lot of people who have a ton of aspiration to do big things and they all say they want to be rich but are too stoned to ever achieve those things and its genuinely pretty sad. its common for people to try and look like they're making a lot of money because they're in the cannabis industry but anyone who has been in knows its not a good place to be.

[@TylerG60]

There is a cannabis shop on every corner here in Oklahoma. Its ridiculous. They are always empty.

[@Crijoe]

I feel for this dude, but I can't stop thinking of where I'd be financially if I received $3,800 per month outside of working. Wild.

[@erickn7985]

Facts like bro I would work so hard and Invest that money, atop of my regular job😂😂

[@katelynbrown98]

Right!? Would he still receive that even if he was working?

[@Crijoe]

@@katelynbrown98 Yes, he would. It's for his lifetime.

[@katelynbrown98]

​@@Crijoe Wow. That right there should be an incentive to NOT have any cc debt!

[@lecookie007]

Basically set for life, get a decent 1,500~2000 mortgage. A simple part time gig, no reason why this guys making his life harder then it should be.

[@trillwill93]

Im glad this man still finding time for extra curriculars 🔷

[@ProfitFirstReseller]

This guy is such a sweetie and is willing to be honest about mistakes. I really wish him the best and hope for a follow-up episode with him!

[@rainboweater456]

@@MatthewEGolden He was a government employee that got assaulted from a tax paid superior, and suffered injury’s and ailments that he’ll live with for the rest of his life. I’m fine with ensuring he’s taken care of and living a decent rest of his life. You don’t have to be an ass to someone you don’t know. Not everyone is out to “take advantage” of the system. If you don’t think it’s fair, sign up for the military and get assaulted by your peers. See if the taxpayers think it’s fair to care about you.

[@Xxbubbly10]

If only he didn’t get that truck idk y people always think they need new cars

[@okgroomer1966]

@@rainboweater456 I signed up, got a actual wound in combat too. If this cupcake can't handle getting jacked up for being a late turd then he's not Marine material. I'm not ok with him collecting a check for life from it. He's clearly fine.

[@_Wai_Wai_]

@@rainboweater456 He definitely stretched his disability payment, and deciding to go into debt to get a new Truck? Damn...

[@GamingTaylor]

He honestly needs to go back to highschool, take some math / finance courses, and learn that debt is never a good idea... He's set for life on his disability payments. He will have a good life if he stops making poor choices.

[@sue1703]

Happy to watch another video today! Wishing Taylor all the very best! You do a great job as always, Caleb! :)

[@CalebHammer]

Thanks so much!!

[@KDHJ26]

Keep grinding Caleb, can’t tell you how much bread I’ve saved since I found your channel. Learning from others is great teacher.

[@Rocket9944]

It's not rocket science to save money

[@KDHJ26]

@@Rocket9944 of course rocket man lol

[@frankc.astle214]

First off, love your content! It’s structure is great, very informative and in some cases your guests’ stories and struggles are very relatable. By chance are you planning on doing follow up episodes a year from now that can show progress or even growth of these guests? That would definitely be something that can give some of us viewers struggling through paying off bad debt some hope as we all continue to grow. Anyways just a thought. Keep up the great work Caleb!

[@AldWitch]

Caleb, I really admire what you're doing here. Do you think you could make a video talking about the sales tactics that are used by credit companies and helping people to avoid falling for it? I think you would be a good messenger for this kind of thing.

[@JS93art]

Worked a couple years in the cannabis industry! The shop I worked at was alright but you really need to find one that isn’t shady. Anyways appreciate these videos so much Caleb! You motivated me to pick up a second job and try and save up and pay off as much debt as I can asap 😂

[@andyholstein237]

That was always my biggest reservation about the cannabis industry - seems like a good way to get robbed. Hopefully it's legal at the federal level soon so I can just buy some at Walgreens.

[@taylerlong2995]

Oh, he said cannabis! I thought he said canvassing, like politics, and I was verrrry confused

[@ZachEgbert]

Every time I spend money now all I hear is Caleb yelling at me in my head. Thanks for inadvertently keeping me financially responsible Caleb! 🙏🏼

[@50shadesofgday64]

Calebs youtube work ethic is absolutely legendary but I really hope he has regular blood pressure checks dealing with all these peoples finances.

[@Nifty_10]

You played that off so well. “is that your mom?” … “no, that’s my girlfriend” lol. I loved it, hit him with the quick sorry and kept on rolling. This show cracks me up.

[@alejandrakitkat8426]

Loving the new diagram breakdown at the end!

[@christinefrier7888]

These financial audits are addicting and inspirational. You are helping so many! Love your tough love balanced with compassion. My parents taught me very young how to manage my money, so grateful.

[@jdmsurfer]

I was blown up 2 times, have ptsd a blown out knee and a messed up back after a deployment and im struggling with the VA to have my stuff upped, yet dude is late and gets 100%? Sweet...

[@JimiSparx-yw3gb]

That guy is totally faking his "disability". His @$$ is just greedy and lazy.

[@Spankmepink]

No you weren't.

[@kaspervestergaard2383]

Got your regular paycheck right? Then it is payed for. The government owe you nothing.

[@harleyday95]

Them constantly calling the motorcycle a Harley had me so anxious while I was at work thinking people were trying to talk to me 🙃

[@cheesecurd100s]

I'm always curious as to how restaurants stay in business, but this show has shown me. I grew up in a small town with only one restaurant and no fast food so going out to eat has always been a silly idea to me

[@abigailwinn4700]

Caleb, I found your videos through Graham Stephen and cannot stop watching them. I just got my first full-time job with a salary and benefits starting next month, and your videos have lit a fire under my butt to get out of my consumer debt and build my emergency fund in my HYSA. I've already checked every account, created a budget in Excel, found places to trim my spending significantly, and created multiple payoff plans for my debt and savings goals. THANK YOU for waking me up to reality. Next up is planning for 5 and 10-year goals!

[@joshparker5779]

I really like that spiel Caleb says like "you're not having fun that costs money. If you guys want to go have a dinner that's fine. She can pay for it. You're getting out of a debt hole. So you do not spend money on fun. You can have free fun, or someone else can pay for it."

[@florihae]

The one huuge mistage was the car in my opinion. Most other debts were at least okay....but 55k for a damn car is such a waste

[@MikeG.666]

If getting choked out by a Staff Sargeant will get me $3800 a month for the rest of my life, point me toward that Staff Sargeant. Kidding aside, I hope he makes it work, seems like a good dude.

[@life_of_laurel8602]

For real though! Apparently, I handled being choked by my Master Srgnt all those times wrong... 😅

[@heavychains]

LMAO I said the same thing. That's more than I make working full time. I'll gladly get choked by a grown man to never have to work again and have a better income than I do know.

[@MikeG.666]

@@heavychains I would let him come by once a month as long as he brought that check. For real.

[@heavychains]

@@MikeG.666 😂 "it's time for my daily space monkey..."

[@EVANHIRSCHMANG]

@@heavychains yeah no doubt it would be traumatizing but for 65k a year it's worth it IMO. Granted he didn't go into details just said he got choked out by him but that's really it.

[@ivanamaryelle]

I like the addition of the pie chart in the corner for the suggested budget

[@workingmumsneedgin6505]

This chap is lovely, rooting for you mate!

[@tkirchmann]

That's cool! Caleb bought his shirt at the same place my grandmother bought her couch. Just giving a hard time ;) Love the videos!

[@Mauvmx.2149]

I have a suggestion, can you do a financial audit to ballet dancers? The dance industry is competitive and companies very often take financial advantage of their dancers during work force years in which enables them to live with poor pay and have to get in debt to survive.

[@eliseg0001]

Oooo yes would love to see a dancer come on!

[@allisonisis]

I want to see that.

[@tayloralexb]

I feel this 😅.

[@bryanobeso3521]

How about no

[@Muhluri]

Someone has to volunteer to be in the show. Who’s it gonna be?

[@supermaxr5093]

Caleb i love your videos, i’ve been watching your videos for a month i’m almost all caught up on the financial audits. I used to have really bad anxiety for the future but watching these have really helped me grow my knowledge of not only finance but other people’s situations. Which i have found comfort in lol

[@meggggg]

🥺 I'm rooting for you Taylor and Louie! What a sweet guy, he's been through it but he genuinely seems to be trying to turn things around! I hope he comes back with a happy update! I think this is also the highest pitch I've ever heard your voice Caleb 😂

[@jamesgreen8696]

The upload schedule is unreal

[@AlainaG]

man will hit a million within the year

[@dani2g]

I would love to do a financial audit now that my stuff is more under control but it would be a 2 hour episode everything is so complicated 🤣

[@ambermaewest4495]

I love that he's ready to move on. Getting his finances in order will be such a relief and hopefully help with his mental health struggles.

[@Izael1701]

I'm a vet myself... there is something not adding up with his disability payment. For a disability of that level ($3,000+/month) that means he has a disability rating of 100%, or near 100%... especially in a low cost of living state like Oklahoma. In other words, he has been deemed by the VA as unable to work or a potential danger be around others. Now, he could have sleep issues (sleep issues is usually around 50% immediately - VA states that sleep affects the entire day) but he's either not telling the entire truth, or he's hiding something. Especially if he was a marine stationed in Japan... a country that we are allied with... ie, he's not getting shot at. I'm not saying he's a s***bag but something doesn't make sense. I know several veterans who are 100% disabled, but they were combat vets with multiple purple heart awards, or had been on multiple deployments to the Middle East (not Japan of all places). Something tells me he is milking the system... as many veterans do after they get out. I'll leave it up to each individual veteran to determine for themselves if they "deserve" a certain disability rating. After that 8 minute mark, I had a hard time really measuring how "bad" his financial situation truly is.

[@nly4607]

He is 100% a pos like 99.99999999999999999% 9f thugs with face tattoos lol

[@2011blueman]

I'm saying he's a shitbag that's committing disability fraud. That story was absolute bullshit.

[@RandomGuy-sr9pk]

Wish there was a way to revoke his shit, what a joke stealing money from people who actually need it

[@nly4607]

@@RandomGuy-sr9pk Then he would just mooch off the benefits of the girlfriend who looks old enough to be his mom

[@TrueGritLive]

I agree with almost everything you said outside of "I know people with multiple purple hearts" No, you don't.

[@kingkeltic4228]

He seems like a great dude. I hope he works things out and it gets better for him.

[@vtxjoni]

Really hope these folks take his advice and change their lives because talking about it is one thing but this requires A LOT OF DISCIPLINE.

[@whiskey_tango_foxtrot__]

100% military disability...Marine truck driver, never deployed to a combat zone but got into a fight on base for being late.

[@gnashershotty5057]

And that’s why those that actually need help struggle to get it.

[@HeyIamAndrew]

One thing I noticed in this episode, wouldn't the car insurance go down if he sold the truck? Still love watching this series, keep it up Caleb! Congrats on 250k!

[@adamseidel9780]

Maybe not that much because he’ll replace it with something else

[@HeyIamAndrew]

@@adamseidel9780 Thats true, but from whatI picked up he'd ride the bike for a bit and use his girlfriends car for other things, if he didn't get another car that is

[@adamseidel9780]

@@HeyIamAndrew that’s true, you’re right. It’ll go down a lot.

[@HeyIamAndrew]

@@adamseidel9780 Never know though, maybe he will end up getting another car too :)

[@adamseidel9780]

@@HeyIamAndrew I mean, if I were him I'd sell the bike too to eliminate that payment and just get a reliable used toyota or something to drive around for a few years. Much more practical, and would prove to himself he's serious about building up a financial life where he can afford a toy like a bike. Frees up another payment, although I guess that's offset by the car, but that's just me.

[@dustinadair7893]

Dude I love your channel. I don’t know if you realize but I know this channel is going to boom. You’re going to be a multimillionaire in 1-3 years… so awesome.

[@TheIdiotsHaveTakenOver]

I spent a week in an indoor grow in Oklahoma. When shit goes federal OK is set up to be a national hub. No limit farms and you can hold all the licenses. Shit is wild.

[@kasea2580]

The way Caleb is pumping out these videos is intense. Ramsey Solutions and the Money Guys better watch their backs. 😂

[@aaronjones5742]

Being assaulted 1 and robbed 1 does not result in mental breaks and PTSD. This man is milking the system for sure. I’ve been assaulted multiple times throughout my whole life. It shakes you up a little bit, especially if you get your ass kicked, but you shake it off and keep moving.

[@hondofitty]

work smart not hard

[@TioMogi]

Look I'm all for supporting our vets and I would MUCH rather see taxpayer money going directly to vets than to the black hole that is govt spending, but bro straight up gamed the system for real. $3800/mo in tax free money for life (essentially equivalent to a $65k/year salary or $1m retirement using the 4% rule) bc of one single incident. We're supposed to believe that bro can never work again bc of one incident that resulted in no physical injuries? More like the govt used the VA program as a "settlement" to prevent him from any litigation towards the Marines or the staff sgt. Just feels real grimey to me tbh...

[@sabias3932]

You're obviously not "all for supporting our vets" if you think YOU can decide whether a vet's PTSD is severe enough to warrant disability. He could have ended up homeless with PTSD and really be a danger to himself and others and his disability is what is keeping him from that place. Your judgements are the perfect example of why vets are so reluctant to seek mental health assistance which they are absolutely entitled to and why close to 20 VETERANS DIE BY SUICIDE PER DAY.

[@JRenee141]

100% agreed.

[@DailyMeditation365]

On the surface you appear to be correct, but that one incident may have just been the final straw. Unless you have served, you have no idea how mentally taxing and draining on your soul it can be. I never had anxiety until I joined, now I have insomnia, can't sleep more than a few hours, and am expected to be on call 24/7. Even when I'm on leave (my vacation) I still get called and texted at all hours. The rank system plays into the hands of abusive senior NCOs and officers. We shouldn't have to air all the shit we have had to deal with to justify to you or anyone else our disabilities from serving.

[@LemoonJuiceShorts]

@@sabias3932 THIS!

[@HDCybersun]

Yeah if he had sued for the assault he likely would of ended up with way more money costing the tax payers more money overall. This way everyone kind of wins, grimy or not, less money paid out long term, and he gets compensated decently for the assault and can live a decent life.

[@Tanya_Offscript]

Ok, seeing as Oklahoma is swamped with dispensaries, I’m afraid he’s outta luck at “making it” big in pot. Especially as they’re beginning to shut dispensaries down and the voters shot down the law legalizing recreational usage.

[@Lala-ft1mb]

Yes Caleb!! Thanks for another 30+ 😊

[@johnathanvale8634]

WHAT? that is a crazy income for disability. I didn't know veterans got paid that much in disability

[@luisalvarado9904]

Not to mention tax free

[@morningsalute03]

It's crazy. Everyone I know get some kind of "disability" from the military. A friend of mine rolled his ankle during basic training. was able to complete his 6 years and got 50% disability which is about 1900 a month for the rest of his life.

[@jxnooo]

@@morningsalute03 its definitelty not 1900 a month

[@johnathanvale8634]

​@@jxnooo to be fair, inflation adjusted, 50% of $3800 (what this guy is getting) is $1900 a month. That checks out

[@jxnooo]

@@johnathanvale8634 VA disability isn’t paid by 50% of 3621 it’s some weird ass VA number, because ✨government✨ edit: just checked disability on VA website it’s $1k

[@d3athmak3r3]

Pretty ironic this guy came on when Oklahoma JUST voted against recreational cannabis

[@ArmadilloAl]

You really have to admire Americans' dedication to sparing no expense to make American streets as dangerous as possible.

[@fredrickscott6977]

Congratulations man👌👌 you are making the right decision getting out of that TRUCK financial mess .Have the dealership not got a duty of care when selling someone in your vulnurable position a life time of misery .They should be accountable for their actions .WISHING you all the luck in the not too distant future💵💵

[@TinaLeder]

LIVING FOR THESE!!!

[@knightfox4121]

That drill SGT should be in prison for doing that to him. And then they wonder why people are not joining the military.

[@aaront936]

It's comments like these why our military is getting soft.

[@knightfox4121]

@@aaront936 You have got to be joking. This guy got physically assaulted for no reason and your dumbass thinks that should be allowed.

[@Dietcokeslut]

I have full confidence that he can get out of this debt without sacrificing his mental health too badly. He’s got this!

[@ratherbeadairycow]

Caleb I actually hear your voice whenever I try to pay for anything with the credit card I’m trying to pay off. “REALLY? WHY? DO YOU REALISE HOW TERRIBLE THIS IS?”

[@emmajae411]

It’s rec in MO now - he should consider going there!

[@Ldrago9262]

Driving the Harley everyday would kinda be fun. I don't think Oklahoma gets winter so unless it rains it's got to be great

[@LaddFPF]

My favorite thing is when you see a payment amount and your voice goes up 3 octaves. 🤣

[@Bubbles11202]

Not me realizing he’s uploading DAILY now 😌 I’m so glad I really want to be on this show but at the same time I’m too embarrassed rn to reach out 😭

[@crawfish3898]

"18% is halfway ok" - Caleb the loveable panda express boy

[@mattlev9445]

Caleb. Your show is wonderful and gives a perspective so many people need and can reflect off of, and better themselves. I don't know what your true plan is, but it would be cool to see you on a television show, or something of that nature. Big fan of your talent and how you present yourself to the audience!

[@lianalonge1984]

22:30 The average vehicle isn’t an investment. It depreciates the minute you drive off the lot . . . as I say this for my 1 year old EV that I spent a bit on. 🤣

[@tashintomorrowland]

Hoping the best for him! Getting out of the truck is 100% necessary. Especially since he can get what he needs on the motorcycle wearing a backpack and get bigger things he needs delivered and still save money. Can’t believe this staff sergeant caused the tax payers 45K per year + all his medical needs for life for being 3min late. Absolutely ridiculous.