46-Year-Old Takes From Charities To Survive | Financial Audit

[@CalebHammer]

Show James some love for coming on the show and being open about his situation. You never know who might relate to this video! Check out www.coursecareers.com/calebhammer to take the free intro course, and make sure to use code HAMMER50 to get $50 off the full course.

[@apruebaconnotaalta]

Caleb: show some love to James Also Caleb: WORST EVER on the thumbnail

[@m66dedits23]

I hope Caleb gets a millions subs I’ve watched every video it makes me feel a lot better about my situation

[@perryrush6563]

Show love...ummmmm with the thumbnail title? Ha ha. It's nice of you to suggest people be nice. Ha

[@8ofwands300]

Why do you leave out Social Security income when you assess what people need to save for retirement Caleb?

[@hoyemd]

@@8ofwands300 probably because although a retirement program, it shouldn't be considered guaranteed. There's a real concern around future ability of the US to pay it out as very quickly all of these programs will overtake all other spending.

[@jayceewilliams5250]

I remember someone asking on the video of the 29 year old to see a video of someone in their 40s who kept chasing their dream and to see how they turned out and now they have it

[@CalebHammer]

😬😬😬

[@arga400]

Underrated comment

[@billhotman8878]

This comment is pin worthy in my opinion.

[@truefoodsociety312]

In your 40s, living with 15 other dudes. Being told you need to work at jimmy John’s for 80hr/week Ouch.

[@xterra4hire]

The comedian guy needs to see this

[@NoPhlyZone20]

Dude I am speechless about his living situation... I would legitimately go insane living with 15 other people & sharing a room with 4. This video REALLY has me feeling grateful today 🙏

[@intensifier1346]

It would motivate you to get a real job.

[@desertrose00]

Wow! I have lived in similar situations and shared room with multiple people. And no you don’t go insane. A large part of the world’s population lives like that and it is normal. Why do white people always talk like this.. they look down on others living conditions to feel grateful about theirs. This reminds me of what Trevor Noah said about white people visiting Bali. You guys need to be more respectful of others.

[@synergygaming65]

Slum lords vs. the peasants. The wealthy and the poor. It's a society government is working towards deliberately or unintentionally a case could be made for either way. We have record number of people living like this and in camper vans in my province due to bureaucratic red tape horseshit when it comes to housing availability, affordability, and zoning, and a sleuth of other factors the government is directly responsible for.

[@tyd8077]

I used to live in a 2 bedroom with 12 random girls in Brooklyn. It wasn't that bad considering it was only 700 Sq ft 🤣

[@NoPhlyZone20]

@TYD Oh god lol that would require a level of patience that I simply do not have 😅 I live alone with my kitty & aside from girlfriends I haven't had a roommate since having 1 in freshman year of college... never will again

[@Tagerrun]

The fact that he pays back his debt and is working on something at all is better than 90 percent of the people in his position

[@kfitz192]

Definitely.

[@Dan16673]

100%

[@DontBeMad911]

Doesn’t matter if he can’t help HIMSELF

[@donaldlyons17]

@@DontBeMad911 Yeah but the issue is the present and future not what he did/ did not do in the past.

[@shuheihisagi6689]

@@donaldlyons17 lmao, you idiots enabling each other are the reason Americans are massively in debt.

[@BobbyMack]

James is my all-time favorite guest. "The only thing I have in my life is my word. I give you my word I'll do it." He's the only person who I think actually will.

[@redfin382]

Really? What about his situation makes you believe he will follow through with anything?

[@printgymnast368]

@@redfin382 Bro seems like he hit rock bottom only way to go is up.

[@Grunk369]

@@redfin382because he has committed from what I’ve heard. He committed his everything to the comedy scene. He failed, but he still did

[@turtleanton6539]

​@@Grunk369agreed😊

[@kozy15x]

Yeah how about he pledge to stop stealing resources meant for someone who really needs them! Charities?.. Sober living when he's NOT an addict?? This guy is just a loser

[@thekmonkey101]

Caleb, please make sure you make an update with this guy. We all have so much hope for his future.

[@Xtractor716]

I feel for this guy more than most, he was completely honest and didn’t make excuses. I hope things work out brother.

[@scottyee707]

he lacks work ethic and made excuse's for it non stop

[@pricklycatsss]

Most people shown on this channel never reach rock bottom, that's why

[@jameshill8493]

@@scottyee707reasons aren’t excuses

[@Costanza1459]

Just look at the expression on his face every time Caleb mentions “work” or “job.”

[@ed8329]

Completely honest? Taking a spot in a sober living house when he doesn't struggle with addiction? That spot could go to someone in need of sober living to help them get out of addiction but NOPE! Taking money designated for disabled people from charities when he is able bodied? There is a special place in hell for people who steal from the disabled. This man is a snake, totally unethical and dishonest. And all he does is make excuses.

[@fruitschnacks]

I hope we get an update on this guy in a few months - he at least sounds like he's willing to make it happen, and I'm rooting for him

[@aubreytheweirdone]

Right! He has been the only guest I’ve seen that was atleast willing to commit. I’d love to see the outcome in the future!

[@RyChOr2005]

@@aubreytheweirdone I think what sets James apart from most other guests on the show is that he (I think) has hit his rock bottom. It's different for everyone. Other guests, especially the younger crowd, always seem to have somewhat of a support system they can fall back to which prevents them from ever hitting their rock bottom and truly doing what it takes to get their finances (and life) back on track.

[@DaveCompton5150]

@Ryan Orth I think this guy is held back by......mental issues/himself/whatever you want to call it. If living in a room with 3 other men doesn't motivate you get a freaking job, I doubt a 1 hour session with Caleb is going to change his behavior. While Caleb likes to say that everyone should get therapy, this guy should, as 46 year-olds just don't magically change behavior.

[@RyChOr2005]

​@@DaveCompton5150 That's a good point. Just remembered that he's been living in this situation through multiple rent increases so it's not a new situation by any means. I think you're right about the therapy as it would definitely help here.

[@jeffjones2021]

He’s looking for easy money. That’s all. Go on Caleb’s show, Go on this podcast or that podcast. All trying for easy money. He’s a lazy dude and doesn’t want to work for it. ☠️☠️☠️☠️☠️☠️ Toxic Lazy Dude.

[@eliottdomin4224]

i just wanted to drop a comment to say thank you Caleb for breaking down generational trauma with finances and helping me begin to break free.

[@shaneaguilar2209]

What exactly is generational trauma? Keep seeing people drop this term

[@CalebHammer]

Thank YOU!

[@WillmobilePlus]

@@shaneaguilar2209 New Zoomer speak for "I suck with money, and cant be expected to be responsible because my grandpappy was poor, so give me free stuff!". When someone attaches the word "justice" or "trauma" to anything, know that it's just woke bullshite that they just made up.

[@eliottdomin4224]

@@shaneaguilar2209 Generational Trauma can be used to help explain personal relationships with drugs,alcohol and many other things but in this case finances, it is a term used for trauma that has existed for generations of your family that usually gets inherently passed on; and as you’re never taught any different (better) and have been conditioned to accept the standard of living that your parents/grandparents (and beyond) were comfortable with.

[@Jimothy-723]

@@eliottdomin4224 generational trauma is basicaly "bad parents." for example: boomer grand parents were kicked out of the house at 12 years old. as a result gen x parents have less ability to raise children, and then the milenials and gen z are less competent. generational trauma.

[@MochaxMatcha]

My heart breaks knowing that he's exactly what every 45yo doesn't want to end up as...I hope he's able to turn his situation around.

[@davisholman8149]

He is a good person. He isn’t blaming this on anyone else. WE ARE ROOTING FOR YOU JAMES👏🏼🤑💰

[@traviscue2099]

Also he might be right about trying to find a job, no ones going to hire a 46 year old man for a lot of entry level jobs. Such as fast food/kitchen work/warehouse ect I know that lockdowns in Australia put so many people in debt and out of work for over 7 months, people had to live out of their cars who typically worked full time.

[@bebop2523]

@@traviscue2099there are lots of ticketing & events jobs in other industries besides comedy, he doesn’t need to get some entry-level service job, he has plenty of experience to work in a higher-paying job in the events industry as long as he’s willing to look outside of the comedy scene

[@traviscue2099]

@@bebop2523 Usually the motivation would be moving out of a house like that. If that won't drive you to get work, nothing will.

[@joeswanson733]

if i ended up like this guy i would probably delete myself.

[@lucascolantoni8012]

I’m rewatching this already and on second viewing, I noticed how wishful and optimistic his tone was when he said “I could rent a room all to myself for 440” and it is heartbreaking that life has beaten him up to the point where that is a goal to strive for. A single damn room. Poor guy, he seemed so happy to get this chance with you Caleb and I don’t think you disappointed him

[@thecrowing1989]

Life did not beat him up. That is pushing the blame onto something else. His lifestyle is the result of his own actions and nothing else. Other people that lived during his time were successful. Let's come down to reality.

[@Casper-Ghost]

@@thecrowing1989 Or maybe it was both?!?

[@nickbesserer]

Exactly. This is the result of spending your life dicking around, never putting continuous REAL effort into anything, and waiting for life to happen for you. Basically, just being lazy and sort of drifting. This clearly isn't just someone "down on his luck".

[@holdencawffle626]

Lucas...he did it to himself. No one took advantage of him. He made his choices in life.

[@lucascolantoni8012]

@@thecrowing1989 ok so systemic issues and a lackluster government (to put it nicely) has nothing to do with misfortunes. Keep dreaming we’re in a meritocracy cuz if you woke up you’d be pretty damn upset

[@andrewwhitcomb4857]

He's always way nicer to his guests in person than his titles and thumbnails

[@jarrettthomas4865]

The thumbnail gets the clicks lol. His face and tone of voice gives away his real thoughts on his guests lol

[@CalebHammer]

I’m pleasant 🥲

[@griggsz9649]

Naw he keeps it funky but he can’t get into a yelling match with them at the same time this ain’t Jerry springer

[@_sambfilms]

I think Caleb just like to call people out in the nicest way possible, while still holding them entirely accountable for their actions.

[@elijimenez7710]

I think I first clicked on Caleb’s channel because of the Thumbnail! He has kept it pretty savage for them all 😂

[@M1R00TJ3]

you are doing something good there is no other youtuber where i watch every minute of a 40+ minute video

[@CalebHammer]

Wow, thank you so much!

[@Dunecoone]

This Is Probably True For Almost Everybody Here.

[@justinsmith1554]

The ad too?

[@Dunecoone]

@@justinsmith1554 I don't have ads... Peasants. Muh haha 😃

[@tiffanyarrrr782]

@@Dunecoone 😆 🤣

[@QuantumKitty]

This channel has me auditing my dang self. Everytime I wanna order out I say nope I can make it at home. Everytime I impulsively want something I say to myself back away this feeling shall pass and it does! Thank u 🙏 😊

[@Concatenate]

Get that tattoo on your arm, WWCHTMTD. What Would Caleb Hammer Tell Me To Do?

[@rebelduck9077]

Lol

[@cleopatraonlyfans]

When I was detoxing marijuana this was the sort of thing we were told to do. Play out the situation and try to predict how our decisions will look later to control the impulse. It’s hard work but it does work

[@somerandomguywastaken]

​@@Concatenate that rolls of your tongue🤣

[@maplebear6527]

@@cleopatraonlyfans YOU IN HERE FOR SOME MARIJUANA?! BOO THIS MAN!

[@yayayc53]

I want to give him props for not having credit card debt! That is very much rare to hear now days.

[@Gypsygirl9]

I doubt he was ever able to qualfy for amy unsecured credit.

[@Paulpoission]

Prob doesn’t qualify, for the best

[@CountingHobbies]

I’d love to see an update about James after 9-12 mos to see where he is at and what jobs did Caleb and James drive to so he could apply! It should be a mini-series!! Great work, Caleb! This is one of my favorite episodes. We’re rooting for you James!

[@bd5863]

I am doubtful this guy took any of this advice.

[@deadapostle]

I feel like he's got a chance. He's got to get a very big boy job, but he's closer to being able to pull that off than you'd think. He needs to stop dropping names and working on making his own name.

[@Blake1720]

@@bd5863yeah I think he just wanted the exposure but won’t work fast food

[@TheTeddyEdwards]

Guy will be forever chasing his comedy career dreams. He's comfortable despite his living conditions and panhandling charities.

[@yellowmagicdog3350]

Dude is one of my best friends. I pray for him and have not talked to him in about 4 years or so. Lost contact. I don't even know where he is. We grew up together. He is a good person, and has a good heart. He has the potential to do anything, but he needs to want to do it. James, if you are reading this...please reach out to me. ❤

[@djrulz902]

NEED a follow up on James in the future! I hope he can actually get to a better place in life. I have more faith in him than some of the other really bad cases, he actually seems motivated, but has more to overcome.

[@CalebHammer]

Absolutely!

[@ricebeansrockroll882]

It would be so cool to do like a year end follow-up every year, just check in on a few old guests and see how they are doing.

[@mattg7799]

@@CalebHammer Do you record and post any follow up videos?

[@lc6636]

Look in the comments. He has updated.

[@PumpkinPotatoPie]

I understand where Caleb is coming from but as someone from a big city, a lot of places have a backlog of resumes and they are quicker to hire referrals than to hire some 46 year old without a car or a working phone. I got a call back from a planet fitness application two years later

[@Outwardpd]

I feel like an occasional tactic for some companies is to go through a hiring process several months before intending to actually hire anyone so that they know the people who still show interest in the job are the most desperate and easy to take advantage of.

[@andrewb5412]

He doesn't have a phone. I wouldn't hire someoneni couldn't call.

[@CalebHammer]

For sure

[@ap2708]

Exactly, chic fil a is also never gonna hire a dude like this

[@Merserissugoi]

Funny thing about those signs is that they say theyre desperately hiring but they're not willing to do the work it takes to look through resumes and interview people. Those signs are just for employees to read so they can hire referrals by employees. They don't want to vet strangers. I see it all the time at my current job which is just like that. It makes me really upset that it's so hard to find a job, so I don't blame anyone for having a difficult time finding a job.

[@bighairguy7]

I’ve really been enjoying these episodes with people past their 20s - it’s insightful to see how the mistakes you make when you’re young can compound over time.

[@ColombianLNP]

This is the reality for millions of Americans tbh, I'm just proud that James had the courage to go on this podcast and tell his story. People need help, and a little guidance. This is one of that factors as to why there are so many homeless people in America. Great podcast and i hope he changes his life around. Cheers from your biggest fan in Colombia amigo!

[@stunnajewel3649]

So glad you have made those moves. I wish we had this info when I was younger.

[@dmixdup]

I'm torn, but there is too much unwillingness to just *work*.

[@Pearlygirl0]

My parents are now back in Colombia, specifically because they didn’t learn any of this. They retired with only their social security, and they can only live off of that well in their home country. I hear you! We need this.

[@ColombianLNP]

@@Pearlygirl0 yeah exactly!!! Luckily they have social security and they will be perfectly fine in Colombia. If that were not the case then yikes!

[@JamesHenderson22]

thank you ColobiamLNP

[@Pandefly]

The problem with these “places are desperate to hire!!!” Things is that even though places say that they don’t really mean it. Also a lot of fast food places have online applications that the managers of the stores don’t even look at. I worked at McDonalds in university and the owner of the store said he didn’t hire anyone who didn’t come in with a paper resume.

[@esotericcommonsense6366]

Listen dog, I'm all about chasing the dream, but some of these people need to realize doing that is a luxury, not a right.

[@mlmalibu]

what a tough conversation. Sending him the best vibes in the world, he needs to center himself, he deserves better and he needs to believe it and work towards that

[@omotayosatuyi252]

He needs to stop stealing from charities that’s evil

[@Shitfuckt]

@@omotayosatuyi252 plenty of non profits are grifters.

[@TheCodeTurtle]

@@omotayosatuyi252What’s the point of a “charity” if it can’t be used by people who need it?

[@claramente4238]

I loved this episode! It's very easy to be like "I will chase my dreams no matter the cost" on your 20's with family support, but when it hits you that you're 45 and in an awful living situation things get real. Anyway, really rooting for James, I think he has what it takes to make it!

[@caw370]

I wanted to say the same thing. He seems like a genuine guy, is very realistic and seems well spoken. If I had a store or other type of business I'd hire him.

[@nickybutt9733]

This.

[@deadapostle]

I'd hire him, but he should be hiring others. Get your shit together, James. We're pulling for you!

[@jjn6914]

I hope James realizes 46 is not too old to start over and learn something new! A colleague of mine ventured into customer success in her mid-40s, and now in her mid-60s, she's making well above $100k per year. She said learning advanced Excel so she could analyze and present customer data improved her career path.

[@erikaalvarez5121]

Thanks 👍

[@Supermoneygang12]

No offense but just learning excel isn’t going to magically earn you a well-paying job. you still have to be a driven, competent, hard-working person.

[@Jhfisibejoso8pkabrvo2is8]

On the advice of working 80 hours per week- *PLEASE* approach this with caution. Your health is a lot like your finances, in that the bad choices you make in the moment may not show immediately, but they can and will make an impact in the future! Overworking yourself dramatically increases risk of cardiovascular issues (which are the leading cause of death in the US), obesity, sleep deprivation, and bone/joint disorders. These conditions in and of themselves often have fatal ramifications later in life, but overworking in can also lead *directly* to death.... For example, I personally had a coworker who worked 16 hour shifts every day for over 3 months with NO days off, and she died *at work* from what was medically declared as an "exhaustion induced cardiac arrest." This even made local headlines. Obviously, she was working more than 80 hours per week, but the point is to know your own limitations. Working 80+ hours a week typically results in an over 60% increase in heart disease risk! *You can't enjoy retirement if you kill yourself trying to earn it* My personal advice would be to move the fuck away from Austin and live somewhere way cheaper. Hell, Texas has some of the most affordable places to live! Go rural! Employment is generally non-competitive and cost of living is significantly lower.

[@phobedavis7014]

I agree. James is 46 years old. It's not that easy.

[@lilacscoffee9360]

This is so true. I have anxiety and depression, and have learned the hard way that 50- 55hrs/week is my limit. Burnout is a real thing. My mental health starts to collapse quickly at anything beyond that, unfortunately.

[@kristentrohkimoinen]

Thank you for sharing this. I had no idea! I work 55 to 68 hours per week

[@Sara-xk1ns]

But he’s not working at all. He has no money to even move now.

[@JamesHenderson22]

They only place in Texas I would live is Austin. I only moved from Key West to Austin because it offers the most opportunity than any other location in the country.

[@arga400]

He is probably not lying, restaurants and such are more resistant to hire older individuals even if they are desperate for staff. Caleb I understand what you're saying but the experience of older individuals is very different than the younger folks in the labor market.

[@CalebHammer]

I get that for sure

[@Sofia-ge5wu]

Definitely. They'd probably think of him as an outsider as he doesn't fit the mould and hirers worry that with getting older you can't keep up or take time off with illness etc. It's def not the same as when u apply in your teens or 20s

[@andreaberryman5354]

You need a resumee, all applications are online. I do not have an online "resumee" for Shari's. I'm nearly 46, and NOBODY hires middle aged and beyond-nobody WANTS us. They see young people as needing it more than us. That is why they are "desperate". Young folks advance, they refuse to to hire mature workers, so they now HAVE none!

[@caw370]

I keep seeing this all the time in Social Media - not just older people but younger people are affected too. Stores and restaurants with lots of signs - people apply and don't even get an interview. Where I live, we have lots of older workers at McDonalds, Tim Hortons (Canada's coffee shop) and Home Depot. To me it's a good thing and every region would be different. If employers are stuck on the 'young workers' thing they are missing the boat when it comes the demographic changes coming down the line.

[@cxa340]

@@andreaberryman5354 I am going to say no - I am not very different from you in age and it would not be hard to go out today and get a job at any hotel or restaurant. Yeah, you may need to type up an electronic resume, which you can do at any local library, but most workers our age have a soft copy of their resume. How is it that most nice restaurants have workers our age as wait staff if they are unwilling to hire someone our age? How is it the housekeeping and desk staff at most hotels are our age if they are unwilling to hire people our age? Again, I am sorry but no. In fact the latest batch of unemployment numbers even show individuals our age are the most employed right now - almost no workers in their 40’s actively looking are out of work right now

[@kailiegundry7312]

We started taking our finances seriously 4 months ago. We went from living paycheck to paycheck to now debt free with 5k in savings. It's incredible watching the savings build up. We're aiming for 6 months of living expenses in savings. And I'm starting college this fall, paying my way through a 30k program/degree.

[@kailiegundry7312]

I am new to your channel. Loving each episode! Helps me to stay on track!

[@elicohen5073]

Congrats to you. See if you can test out of some of your courses with the CLEP exams from College Board

[@Spungle15]

May I ask how you’re paying your way? If I did that after graduating high school, I would have to take at least 2 years off to work and save

[@kailiegundry7312]

@Lack of Sleep my state university is about $10k per year. Our university has a program where if we take over 12 credits per semester, we still only pay for 12. Maximum amount being 18 credits at any given time. Our state gives us $8K towards school our first year. My 4 year degree will be done over the course of 2.5 years for a total of $25k. $25k - 8k = $17k that I'm responsible for (before any scholarships, which I won't know about until closer to fall). I will be working part time during the school year, and full time over the summers. Plus I have about $5K already saved up. So as long as I can come up with $12k over the course of 2.5 years, I'll be okay. 🤷‍♀️ it's definitely not doable for everyone but it just so works out in my situation. I do have $15k in my 401k that I plan to cash out when I quit my full time job. Probably not Caleb-approved, but I'm going to do it. 🤷‍♀️ I have plenty of time to save for the rest of my life after college.

[@Spungle15]

@@kailiegundry7312 wow, good for you!

[@jamiecroweiii80]

Caleb you've motivated me to make some changes. I had 43k sitting in .03% interest savings account it's now in an account earning 4% interest. I also used to be bad about keeping to much in my checking account. I've worked to hard to save for it not to be making as much as possible. I sold all my crypto and put everything s&p 500 mutual accounts. I'm 35 and self employed so my future is 100% on me. Thanks for helping me realize that.

[@chimairoegbu2263]

This is awesome to read

[@dmpi483]

Good move. Money markets and Mutual funds can now pay 4%+. This wasn't the always the case. Just in the last 6-7 months.

[@angelgjr1999]

@@dmpi483 4 percent yearly?

[@dmpi483]

@@angelgjr1999 Yes. Even the 1-year T-bill pays 4.73%. Look for a high yielding money market account. It's easy to get at least 4%.

[@cooleobrad]

Good for you! That's great to hear. So many people refuse to change even when their decisions are hurting them in the long run

[@xelazigadenus]

When he talks about remembering when he was in his 20’s (1990’s) and retirement funds were being rolled out yet he still didn’t do it cause he thought he wouldn’t live past 30. This is a huge wake up call to me tbh. I was like 17 swearing I wouldn’t make it to 20. I’m gonna be 25 and I’m freaking out. Time to get my life TOGETHER!!

[@suad01]

Why do people think this? There is no reason to believe that the average person has a good chance of dying before 60.

[@xelazigadenus]

@@suad01 idk I guess for me personally it was that thinking that far in the future never occurred to me. my family in particular honestly weren’t really into living and had nothing together themselves. my experiences led me to a point where I just welcomed death. Strange I guess but yeah also in school I didn’t learn anything about finances or seek it out. My family definitely relied on the welfare system

[@nestor.valentino]

@@xelazigadenus I don't think it was "weird" that you thought you wouldn't make it to 20 and you welcomed death at 17. It made sense to you at the time, given your circumstances. Since that lately, you've been choosing to watch content in finance and getting your life together, I think it's a sign that you are going to use all the pain, the trauma, the darkness as jet fuel to propel you forward.

[@Elena-er7zp]

Hahaha I have two friends like this - one thought he would never live to see 40 and another thought he would never live to see 50. They both turned 50 last year - both are freaking out because they never prepared for that.

[@martymcfly420mph6]

@@suad01 idk, there's a lot of people 'dying suddenly' lately... if you know what i mean. Young and old alike.

[@User39123]

The patience you have is beyond. The lies told and the second you said ‘tomorrow we’re going to go find a job’ and the oh shit look in his eyes that I’ve seen in the parents I’ve have the same conversations with…. You’re a good man. ❤

[@kikiTHEalien]

The guest commented that he got a call the day after the video was shot and started a job a few days after.

[@katelynbrown98]

​@@kikiTHEalien I truly hope so.

[@gingerleamcwow435]

Omg, for real. Im baffled by the support and optimism that is in the comments. I didnt believe a word out of this guys mouth! 🤷‍♀️

[@sharonlarose1586]

@@gingerleamcwow435 I felt the same way. I thought he talked so much but said nothing of substance. The only time he stopped with the name-dropping sales pitch was when Caleb said “we’re going to go find you a job.”

[@IsaacSalazar-gm4ij]

What lies? He got a job the next day?

[@camcommute]

Of all the persons that been on the show, I have hopes he'll be one of the few that follow thru with what you've told him. All the best James!

[@matthew9677]

Yep. U can see it in his eyes and hear it in his word choice and voice. I got hope.

[@g00bers24]

@@matthew9677 I'm hoping I see him at a Jimmy John's making my order when I'm stoned to the bone. Legit heros in my book

[@Ian-of9oi]

My brother was out of work at 18. We went to a fast food place and saw a help wanted sign. I showed him and he said I’m not working fast food” I said “I have more respect for these people then for you right now because they have a job”

[@imallaroundtheworld]

Did he apply?

[@Ian-of9oi]

@@imallaroundtheworld nope. He was just jerking around. Still in high school but skipping most classes. Smoking a lot of weed. He got kicked out of school later that year. He bounced around a lot after that. He’s been working at a grain elevator for the last 5 years or so. He’s 31 now. Still smokes a lot of weed.

[@Dan16673]

​@@Ian-of9oi wait till he is 60. His mind will be gone

[@SlanglieBeatz]

​@@Dan16673 because he smokes alot of weed?

[@Dan16673]

@@SlanglieBeatz yup. Seen it over and over

[@brysonmcha]

This is the most optimistic ive ever been with any of your guests, I hope he does well, def need to have him back on in 9-12 months

[@nategualtieri2193]

Your videos seriously have changed my mindset in the last few months. I'm a TV writer and the entertainment industry is very unstable work. I've decided to incorporate and take better control of my finances in the last year of my 20s. Thanks Caleb!

[@ameliamorningstar]

I would be really interested to see a 1 year follow up and revised score with James. Despite the missteps he’s made to date I feel he’s got the chops to turn things around.

[@vikkihanson7082]

You treated James with such grace and respect! Breaks my heart to see people in these situations but I hope takes all the help and advice you offered.

[@vypersoft1]

This is a low level case of Delusion of grandeur: In this form of delusion, the person believes they are much greater or more influential than they really are. For example, they may be convinced they have an exceptional talent, or a special relationship with a prominent person. In this case he knows every door will open for him with the contacts he has but he makes no effort to try and open those doors.

[@imrunninazoo1115]

Interesting you gave somethings to think about

[@Diego-cb2vq]

Thank you Caleb for making me realize to pay off my car debt in full. I am officially debt free and feel a sense of freedom. Please keep this work going as it can really make a significant change in people's lives. This guy deserves to be in a better environment. He seems genuine and I believe he can do the work to get to where he wants to be. Keep going!

[@candicebrittian1459]

Your videos have changed my life. Not even being dramatic. It’s crazy that these conversations are not more common. Everyone lives with debt and it’s so normal to live above our means….. I feel sad for my younger self that I was so ignorant. Thank you for this!!!!!

[@weivu]

I wouldnt know how to handle a conversation like this. I feel the transparency and compassion. Mad respect to James for coming in and being real. No excuses just explanation to situations.

[@jocelynlopez3607]

I love seeing people at different stages of life share. ❤ Keep up the great content!

[@CalebHammer]

Thank you!

[@BiNicAr530]

I don't usually comment on videos. But I just want to say I love seeing your growth Caleb! Thank you for what you do!

[@CalebHammer]

Thank you so much!!

[@AvocadoXenomorph]

I cant believe I never saw a channel like this before. The way Caleb looks at all debts, credit card usage, and interest has really opened my eyes. I never learned about finances and would consider much of what he considers bad to be “not a big deal” or “not that bad”. I’m turning 27 this year and trying to educate myself better and I just want to say thanks for helping me break out of my bad thinking. I’ve been boosting my credit score and paid off a huge chunk of my one and only debt and it feels really great to be moving forward. I will be here watching more and more content, looking forward to the future!

[@Hofi850]

"The only Thing I have left to me is my Word. And I will give you my word." ... That's a very strong answer. I wish him all the best. Thank you for giving this man some Guidance, Caleb! This might ne one of my favorite episodes so far.

[@melaniesmith1928]

I’m really rooting for him! I hope he can turn it around. He seems like a really nice guys who has had some tough times.

[@factsnorefunds]

Definitely one of the people I believe will work to achieve success going forwards. I bet working in a fast food place will give him plenty of stories for his stand up. Wishing him the best of luck!

[@miketwomey8133]

Dudes a genuinely good communicator tho ngl, such a nice dude wish him the best i feel horrible shit crumbled for him. Also caleb i understand the clickbait type of titles but lets try not to humiliate these guys/girls. This a grown man with pride and an ego cmon brotha. Great as always otherwise.

[@miketwomey8133]

@@sarahloohoo2312 as long as he agreed to it, which i highly doubt but beats my knowledge on it.

[@Jonqen]

It doesnt lie though

[@miketwomey8133]

@@Jonqen ehh it’s over exaggerated.

[@ranchdressingisablessing8082]

How is it over exaggerated? He is literally taking $ from charity because he doesn’t want to work…..I find it odd to call the truth an “over exaggeration”

[@miketwomey8133]

@@ranchdressingisablessing8082 I was referring to the thumbnail, “worst ever” with explosions around it. The fact he does take from charity is bad i agree the title fine, it might have gotten changed though.

[@scherbengesicht]

I've only discovered you via tiktok...2 days(?) Ago and I am OBSESSED. I've been binge watching your financial audit videos, made notes on terms I want to look up (i don't understand anything, lol) and your videos really kicked my butt into gear to establish how much do I need in an emergency fund, what are my costs etc. I paid off my credit card yesterday cause I realized the fees aren't worth the possible credit score increase (i've got good credit as it is anyway). So thank you!

[@tamiz8895]

I have $10k in debt that I’ve been chipping away at but these stories have accelerated that effort greatly. I’m terrified of debt now, which is good!!! I hope this man can find his way.

[@ichwill7536]

Guys brave for coming on here and airing everything out. Hope he gets his life back on track

[@andrewwestgard2057]

I wish this guy all the best! So down to earth, all the love and support coming from my end!!

[@CalebHammer]

Same!

[@JamesHenderson22]

Thank you guys

[@authenticallyallison]

A sponsor? Whaaaaaat? Congrats Caleb. Baller status

[@MostlyHarmless.]

Sad but motivating as someone who's alot younger, makes me wanna work 10x harder

[@CalebHammer]

Absolutely

[@danocnl]

@@CalebHammer The American dream

[@user5214]

Just work 1.5 times smarter. Being patient and seeing those exponential gains will put you in a better place than almost anyone.

[@danocnl]

​@@user5214 work 1.5 times smarter, what does that even mean?

[@Concatenate]

You probably need to work 30x harder since the value of the dollar is decreasing over time so 1.3 million today will be like a few hundred thousand in 20-30 years.

[@smudger3000]

He doesn't have a phone, that's why no ones getting back to him about a job!

[@anthonypham4001]

This one is definitely an important conversation to hear. So many of the younger folks that comes on talk about how they don’t think they will live past a certain age but statistically they will live till an older age. I used to not think I will make it past 30 myself and did not realize how common it was for people to think like that. I am hitting 30 this year. Definitely a bad mindset considering how most of them are living.

[@drewpatterson8261]

Young people always saying "I won't make it past ___" to justify their expensive purchases.

[@RyChOr2005]

Congrats on the sponsor! Well deserved. I can't get enough of your videos... perfect blend of entertainment and education. Keep it up! 💪💪

[@HarlequinnProduction]

This man is very articulate and seems genuine! He seems like he would interview fantastically. I wish him the very best and I hope that he is able to take the steps that he needs to get afloat and THRIVE.

[@ongog.8701]

Thank you so much. I’ve been working on my finances for the past 2 years and these videos made me take a good hard look and see that I haven’t made the progress I could have. I’m looking forward to improving after watching your honest conversations. Kudos to these individuals who are brave enough to share something so private so publicly.

[@peggygross1653]

I was very moved by his story. It's not easy to share our hopes and struggles. Sending him positive energies. Caleb, you care so much for others, your inspiration was amazing.

[@MatthijsHoekstra]

That guy is richer then any of your other guests :). I hope he gets his act together and finds himself a job.

[@bullonabike]

I appreciate James candor. He seems honest and passionate about his love of comedy. I do hope he lands on his feet sooner than later at 46 years old.

[@TVHouseHistorian]

Wow, Caleb. I am blown over by your candor and bluntness in this episode. Sometimes, it’s what people need to hear, and you’re not afraid to step in their crap. I have thought at times it would be great to be a guest on your show. I could use just this kind of advice.

[@Bmmrl]

I’m rooting for you James! I hope someone who lives close to your area can offer you a job. You seem like you would be a great addition to a team! Best of luck 🙏🏽

[@faustinogarces285]

James a great guy! Really hope the best for him. You can tell Caleb cares about his guest. Currently driving to Austin for TFX this weekend. Hope to see Caleb

[@2passportsandpostcards]

Loved your approach with him, Caleb. This was a necessary conversation. He seems like a nice guy who’s hit some bumps in the road. I hope he will take your advice! Should def do a follow up with him in a few months.

[@RevengEngine]

First, congratulations on the channel growth. Hitting the sweet spot with the algorithm. Second, I feel James’ main barrier is a general sense of aimlessness. Sounds like he doesn’t have a strong drive to change his situation. I think the “network” he mentions isn’t necessarily tangible. Something just feels “off” with the entire background. I wish him the best of luck and your advice hopefully makes an impact for him.

[@FinanciallyFit93]

Props to this guy for doing this, it’s definitely not easy being that vulnerable!

[@one100billneoone4]

100% respect to Mr. James and I pray he finds his way to a better quality of life. God bless brother.

[@traviscue2099]

This guys kind of relatable. In my mid to late 20s I worked as least as I could/didn't drive and found it hard to find work with a speech disability.. but then I wanted to own my own place. That motivation pushed me out of the city/working full time.. and now at 33 I own my own place/renovated it and got myself a car. Just takes a little motivation, but I'm glad I didn't end up this way. Must be awful at 46.

[@M_SC]

I’m interested in speech disability. Does that mean something that has no or limited ability to improve? As a young teen I was part of a once a week theatre class that cured a 12 year old of a strong lisp in about 8 weeks. But stammers are harder to improve I know. Or maybe what you mean is something quite different.

[@highhighbyebye]

I'm really rooting for this guy.

[@gingersmedia]

probably the most observant and grounded guest you have. This is someone who understands they have made mistakes along the way and just isn't looking in the fight places for the solutions, but I genuinely think he took your advice to heart, it is incredible and optimistic that he has no real debts or financial holds, he just needs to find his way off the verge of homelessness.

[@Officialgaby180]

Caleb you have a heart of gold. You seem so genuine on trying to help him. I honestly think James need psychological help in order to set stability in his life 🙏🏻 Hope he takes control of his life. It’s not too late!

[@g00bers24]

Fun drinking game: Take a shot every time he mentions Joe Rogan

[@lovemacheen9189]

Yeah I couldn't believe anything hebsaid after his "friend" Tony hingecliffe.

[@rigatony019]

God idethat was aewsome

[@salwilk558]

He’s literally THAT guy

[@TheTomBuzz]

Or every time he says “Sure”

[@tomemery7106]

3 shots

[@vanessaf2560]

Caleb, I’m a newer subscriber here and have been watching every video I can. This one really pulls at my heart. I admire the innate strength he has to push through and do what he has to do to survive. I am rooting for him! I truly believe he can do this! His communication is top notch, he listened to you, is open to learning the things he doesn’t know, and I would love to hear an update now that it’s been several months! I’m rooting for him!!

[@mericawillis2338]

He could probably work well in an events company. The experience he has in comedy sounds transferable to such

[@SnoodleMeTimbers]

Just found this page holy shit you a real one!!! Dude keep fighting the good fight. With the state of public education we need more people like you.

[@kye6381]

I hope he actually takes your advice! I want him to get back on track so bad! Hopefully this is his wake up call because it’s not too late for him to still live a financially good life

[@CalebHammer]

I hope so too ❤️❤️

[@izzyevans8279]

Man I gotta say this is one of the better episodes I've seen. I'll be really excited for a follow up eventually. You got this James

[@austinbridge]

He's going to make it. I can tell by his reaction to everything you said. I'm already anticipating the follow-up episode.

[@JamesHenderson22]

Thank you.

[@herdenq]

​@@JamesHenderson22Rooting for you, James. How's it going?

[@brittanym58]

The charities are not just for disabled people. This man can't get a job due to lack of reliable transportation. He can't move due to lack of job. I am all about every able-bodied adult working and paying their bills, but also realistic enough to know sometimes things are a little harder than just finding a job and a car and an apartment. Be glad he doesn't have CC debt.

[@edman813]

Oh yeah, Austin's better jobs are usually in the outskirts in areas without bus transportation, it's ridiculous to not have a car because you'll have to walk miles

[@MrTaylorfenoglio]

Sure that's a great excuse for a very limited time but within weeks you should easily be able to get out of that situation.

[@brittanym58]

@@MrTaylorfenoglio within weeks working for low pay he should be able to buy a car, tax, tag, title, and insurance?

[@MrTaylorfenoglio]

@@brittanym58 ya why not? Maybe a couple months at most. He's used to living on nothing so almost all income would be able to go to it. He should be able to save up 2-3k really quick.

[@ActuallyEvil2]

@@MrTaylorfenoglio if we’re being generous it would be about 4 months at least. You’d have to find the car, spend money on a mechanic to look at it before you buy the car and if the car checks out then buy it. Let’s say you only found one bad car in your search, that’s $100 you spent on a useless car, you find another one and spend another $100 to find out that car is good. So Then you buy the second car, then you pay for any repairs that car will need, which it will definitely need a couple in this price range. Registration, taxes, plates, insurance. a $3000 car would be around $3500 after all of that. If you for some reason find a ton of bad cars you will spend $100 on several cars before you find one that’s good

[@isaiahcolmore1341]

Caleb teaching me budgeting and changing me life. BUT NOW HAVING A SPONSOR 🤩 I feel like a proud friend! KEEP GOING Caleb!

[@candicebrittian1459]

Yeassss. My favorite KZbinr. Changed my life as well.

[@LiliumCruorem]

I am starting life over basically at 27. These videos have been helping me be realistic about what I can do with money. I can’t mess up again. You only get so many chances and I’ve been blessed to be given a second chance at life. I just wanna own my own acre one day with a little house on it so I can finally feel comfortable looking for love. It’s hard to get through life lonely. But I’ve never felt comfortable in my love life because I had a weird childhood that left me to learn a lot of the adult world as I got into it. I just don’t ever wanna be in the position again where the woman I love doesn’t feel like I’m a safe choice.

[@billyberner]

Same age here. Same story. Stick to it! Best of luck friend!

[@oncecursed1]

Been binging these. I grew up with my dad being an executive for one of the largest grocers in the country. They paid for my college, my cars, and insurance through college. Extremely fortunate situation, spoiled. ZERO financial independence or literacy taught. I’ve had jobs since 16, but spent it all. I left undergrad with $300 to my name. When I got in to grad school I started working 70 hours a week on top of school/research (no funding), and since then I’ve been making the climb back up. I was a courtesy clerk at a grocery store and personal trainer as well. Paid off my credit card debt and started saving a bit every month, but no investments. Now, my fiancé and I pull in ~115K with both of us receiving merit increases that should total ~20k more, I was able to max my Roth IRA last year and am on track to max again and opening a traditional. I wouldn’t have done the IRA without watching these videos. World’s smallest violin, but it sucked to have to budget at first after having such an easy life, it was so foreign to me. I’m grateful for the ability to do so now, and realize how lucky I was and still am now. I’m really impressed with the folks who come on this show. I couldn’t be so bold. I had the easiest come up and still fucked it up, I can’t judge those who didn’t have what I had and are trying to fix their situation.

[@breakprismatshell6270]

You are not supposed to build wealth as undergraduate. I fail to see how you fucked up.

[@rossedwardmiller]

The vibe of this one is so much different than the others. This guy is in a tough spot but technically he’s got a much higher net worth than most of your guests

[@andy42x]

How does he have a higher net worth than them?

[@jelkeadema6034]

​@@andy42xlack of debt. Let's ignore the medical debt since we don't know what it is. His net worth is basically zero. Other guests are really far in the hole. They have a negative net worth.

[@kozy15x]

Tough spot? Yeah right, he's lazy and doesn't even want to try. He talks A bunch of BS and takes from charities when he doesn't deserve it

[@potatoesandgravy7021]

Holy crap dude. Your channel was at like 98k subs like 10 days ago...lol. nicely done!!

[@CalebHammer]

Thanks to you!

[@dieseldiesel9292]

Go through a temp agency. They hire anyone and everyone. On top of that, if you have a good work ethic you will get hired on fully. That's how I got my current job repairing servers that go to xray machines.

[@johnj1573]

Man you tell Caleb really cares about this guy. Hoping this guy makes it

[@olliehopnoodle4628]

Reading the comments, what a great group of folks you all are! There is a lot of empathy

[@nmredpanda]

I really like this channels community. I love reading the comments and seeing Caleb’s reactions to everyone’s thoughts. Great job with keeping up with your community Caleb!

[@gregtetzlaff]

I am 1000% rooting for this guy. I'm a local Austin resident and would love to help if there's a way to get in contact

[@JamesHenderson22]

I'm here in Austin. Reach out, I just finished my first two shifts at Ropollos Pizzeria on 6th Street Friday and Saturday. Not only did I get an email the day after the Podcast to interview for the job; I started 4 days, and 5 hours after I left the studio. The best signal from the universe to continue chasing my dream but to not sacrifice my immediate personal well being is that Ropollos Pizzeria is next to Joe Rogan's club "The Comedy Mother ship"

[@msKita43]

@@JamesHenderson22 congrats on the job! What a relief that must be.

[@Jonqen]

@@JamesHenderson22 Great to hear!

[@kathleenmcbride1471]

​@@JamesHenderson22 So great to hear your good news!

[@JamesHenderson22]

Looking at a single room today for $399 a month on the same block I work. Finally able to get out of this $175 a week rent, five grown men to a bedroom, "sober living" nightmare.

[@dabrick100]

I wish James the best of luck! Sounds like he had something good going in Key West, and got the shite end of the stick with Covid financially. Really hope he can ground himself and build a solid financial foundation quickly!

[@sirsoos3546]

Kudos to Caleb, man has been skyrocketing in just the past two weeks. love it.

[@sirsoos3546]

like, DOODE HAS IN-VIDEO SPONSERSHIP. wild.

[@operoverlord]

I would love to see him succeed. His situation scares the hell out of me b/c I don't think I could handle all that. But it does seem like he has the smarts and motivation to see it through.

[@gomezchris276]

I just found your channel on my KZbin feed and im a finance/accounting professional and I’ve already watched so many videos on your channel within 1 day and every video has amazed me. Great content

[@theostracized]

I heard Phish Tour and knew exactly what kind of situation we're looking at lol

[@wesbrennan4946]

I have literally slept on a pile of clothes on the floor at one point… never give up just keep going forward and make better decisions that’s all you can do

[@joeyree22]

I really feel for this guy and wish him the best. I vote for an update at some stage too, please. I'm just about to turn 41; watching this today made me extremely grateful for the decisions I have made in life so far. I am hopeful 🤞that I will be able to retire early, and if I can't retire early I should at least be able to retire comfortably.

[@Maddie_951]

I am rooting for this guy. I really hope there's a follow-up with him. He's seems like he had a great life and then got a little lost when he lost his job in 2020.

[@pivorocks]

I found you today and am just binging your catalog. I need to get myself on here and hear this hard hitting advice. Kickin me in the butt to reorganize.