Spends All His Money On Fast Food and Cars | Financial Audit

[@CalebHammer]

Wild one today, enjoy!! I did just notice the text error between his fun spending and food spending, but that doesn't impact too much! Just wanted to call it out.

[@Questchaun]

You are a saint for dealing with this.

[@bryanfisherkeller9101]

Congrats on 10K subs keep it up!

[@danielratner]

Congrats on 10k!

[@ColtonLoberg]

What is your background

[@jameshaney658]

Yea very late, but you should have redacted his acct number for chk acct1 ending in 6013

[@galamonkey]

He was truly born and bred to be the perfect consumer.

[@darkmanx2g]

They keep the economy going.

[@gt_slattt2494]

😂😂

[@Djinn510]

Learning to cook well can help on health and finances, also impressing friends 😀

[@aussieoranges]

The anxiety that if he stops going out to eat, he would fall into a depression is... heart breaking. You create your own reality and it's a self fulfilling prophecy. He's making it more and more expensive/difficult just to survive and maintain good mental health.

[@gematriagoon]

Merica 😂

[@myyt3824]

Dude…..he literally said (and believed) that his food habit and car make him who he is…..this guy has -100 personality. Woooooow.

[@DeadLkeMe]

22:55 when Caleb asked if Golden Chick made him who he is and the guy said yes, I nearly choked laughing when I saw the Golden Chick logo over his face 🤣🤣

[@xxthatgirlpossessed]

“I’m a foodie I like fine dining” “...wataburger, mcdonalds, wataburger, wataburger...” I died. Amazing. Your not so subtle “bro what the fuck” kills me every time.

[@CalebHammer]

hahaha thank you, thank you

[@garickjones3339]

Lmfao

[@candy2325]

Lmao 😂 the places he splurges on are so basic. I was expecting some nicer joints.

[@mzcain1521]

Hey when you don’t have access to what-a-burger, it becomes fine dining!!!!!

[@suefrisk8505]

You are SO patient!! He is delusional!!

[@justking.4050]

I have seen a couple of your videos throughout this week, but I've never watched one entirely. for what ever reason im going to watch this on through all the way (currently at 21 minutes whilst typing this) you're honesty and no BS responses to his BS responses earned yourself a new sub. great job brother

[@Compa_Doom]

you have the patience of a saint. I wanted to re-enact the airplan scene where they needed to calm the lady down but with this guy

[@Murdokk73]

"i don't know what tomorrow in going to hold for me" we do, its wataburger.

[@InvestingBookSummaries]

woooooooooow eye opening stuff in this interview on how some people think about finances

[@lexy8594]

I LITERALLY JUST SAW THE COUNT GO FROM 9,999 to 10k LESSGOOO❤️

[@CalebHammer]

WOOOOOO!!!! Thank you for being one of them Lexy!!

[@lexy8594]

@@CalebHammer I subbed like a week or two ago and it’s crazy to see how far you’ve grown!! Looking to join that discord soon once I get paid 😎

[@CalebHammer]

@@lexy8594 WOOO!! I look forward to seeing you on there!!

[@anechkafspb8930]

Caleb, I cannot stop watching these videos!!!! Great job!

[@ritarossweisse_]

New sub here. He got the "main character" vibes but in a bad way. Or should I say "He really thinks he's the main character here huh" I'm gonna feel sorry for whatever he's going to go through next. Let's just hope he learn from his mistakes. I mean he's previous job is already stable but I hate when he's just give it up because he think he's already made it while he's just getting started in acting 😭

[@christinev.7100]

Okay this guy spends too much free time adoring himself. Maybe he could be hired as an extra but I don't know cowboy movie as an extra! Also the dude is delusional 🤣.

[@TaratheEnchantress]

My question was why is he even on the show? Did he want someone to tell him, he made the right move? He didn’t want to change anything. Why not work part time at the auto place and part acting/modeling until he makes more money doing that.

[@droid2D2C3P0]

Caleb pays the guests, he likely figured the interview was a quick buck

[@nonstopper]

We need an update here

[@LoveThatSceneChannel]

Coffee is cheaper in my country, so this price it's way more than 2 cups per month, which makes me think you wouldn't approve of this expense.....

[@marcusmontfort4970]

This hurt me more the farther along it got. He sounds like he is lazy. I feel like if you truly want something you would sacrifice everything to try to achieve it. The part that hurt the most was him saying he wasn’t going to sell the car bc he loves Honda so much and loved his job. If he loved it so much he should have kept that job while also trying to model, act, whatever it is. He honestly should step into car sales, think he’d do well with Honda. I do appreciate his willingness to share his story and finances though!

[@hannah22766]

I know what’s happening here, he’s doing a scene.

[@stewart2898]

This guy is gonna be the next Batman, I’d play nice Caleb

[@stereomaster4231]

The way he answers questions with responses that are so stupid, but he sounds so sure of himself is crazy. I feel so bad for any future partner who believes that he actually knows what he's doing because of the assuredness in his demeanor

[@JackIsNotInTheBox]

None of that matters because he’s hot! ❤

[@TreeofLife_111]

@@JackIsNotInTheBox oh it matters

[@M_SC]

Well said

[@TheBdogup2]

When I was out of work due to layoffs, I bought $180 worth of great value groceries for that month, put in 200 applications a day, and didn’t leave my house other than for going on walks. My car sat in the same spot for two weeks at one point. It boggles my mind that people go out to eat and willingly quit a stable job.

[@africanlily6107]

Right like you would think with all that free time he would learn to cook

[@magnesiafrost1863]

200 applications a day 😵, how? Did you use the same/similar text in every application? Were you looking in a wide area?

[@TheBdogup2]

@@magnesiafrost1863 mostly using LinkedIn’s one-click “easy apply” feature and connecting with recruiters. Yes, I have a blanket resume. I work in IT and a lot of jobs are remote, and the resume can be the same for all as the path I’m following career wise is pretty linear at this point.

[@alexv5581]

​@@magnesiafrost1863 Yup when you are unemployed and are serious about getting a job, you will send at least 50 a day

[@m4stik14]

Same here, goin through it right now. I am listening to these vids as I apply to keep me going.

[@Skadooshboom]

Sometimes I worry about my own finances but these videos make me feel so much better

[@CalebHammer]

Perspective is good!

[@jkay07]

😂

[@user-nc7oh2rn7f]

If you have $1,000 in a retirement account, you're doing better than 99% of the people he's audited. 😂

[@Bock728]

Same I'm literally checking what I spent this month and listening to this dude makes me a whole lot better

[@jcabslovesu2]

Yep same lmao

[@sirmeta4037]

For the people that say, “I can die tomorrow”, this is a dangerous mindset to have. Just remember if you don’t die, tomorrow can be your worst enemy.

[@CalebHammer]

Exactly

[@therearenoshortcuts9868]

"I can die tomorrow" ... yes... from your own stupid decisions LOL

[@aoki556]

right, the response should be ‘and what if you don’t ?’

[@soapa4279]

Very close to the "YOLO" mentality, as an excuse to make stupid decisions

[@cheesecurd100s]

Past me was such a fool

[@laurab5849]

Dude needs to be a salesman. He has an answer for everything.

[@RyanDeLaHaye]

But they aren’t good answers. He would fail as a salesman.

[@ibanez741852]

Service advisor is a salesman. Instead of selling an item he sells services. Sometimes they are needed and sometimes they just flush out your wallet.

[@dakotah1978]

Sure, but I'm not buying it.

[@rwdplz1]

@@RyanDeLaHaye OK a realtor.

[@gunners4129]

​@@ibanez741852that's only one of the 6 professions he claimed. I have serious doubts he did anything long enough to actually do anything

[@crowford921]

So this guy has come on PURELY for camera time. He's perfectly happy with his spending, isn't going to live with even slightly less comfort than he already is and isn't prepared to listen. Watch out Chalamet, this mans coming for your jobs!

[@rjpg]

Good point, maybe he is so over the top on his spending justifications just to be viewed. BUT if he isn't faking his spending, its a SAD story.

[@connorperry4071]

Thanks for saving me the time of watching this

[@Honey_Daddy]

I've noticed a few of them. These guys think they're gonna be actors, comedians, something famous and to them this is just a "job". Idk if he pays them, but if he does, maybe it counts. If not, they think it'll help them get famous. I hope to God that it doesn't do that for any of these types because they're not here to help anyone but themselves and they're not here genuinely trying to improve a problem they've had. They're just trying to take the easy path to break out into whatever they consider "stardom" and it's not something I like or respect.

[@18aplateindoors]

@@Honey_Daddy just so u know he does pay them just to answer ur question

[@Honey_Daddy]

@@18aplateindoors I had suspected as much. Thank you for answering my question. I really appreciate it.

[@ladyviking]

If this guy is going to justify EVERYTHING he is doing, then why is he wasting Caleb's time?

[@clublulu399]

TV Fame. He’s an “actor”

[@jacquelinemartinez4992]

My thoughts exactly. It feels like he’s just acting and someone just asked him about his hardships and upbringing instead of a financial audit and actually listening to financial advice.

[@davadh]

He wants exposure

[@burkles4456]

Why are you worrying about his time? Find a hobby.

[@basscolonel]

I recommend you do a follow up video with him in about 5-6 months to see how it worked out for him. Would be interesting to see.

[@CalebHammer]

100%!!!

[@BeeTimesTwo]

Yes!!!

[@user-nc7oh2rn7f]

Please don't give him water again! The lip smacking and AHHs he makes are just too much. I'm hopeful that perhaps he was just acting here, and it's really that self centered and oblivious.

[@__mango]

Spoiler: he is back at working at the dealership saying that if he had 1 more month, he would have made it.

[@p.shermanfortytwowallabyla9488]

Yaaaaaaasssss

[@mandaaayful]

this guy is actually unbearable. and his obsession with thinking he’s going to die at any minute is alarming

[@ChadAV69]

Yeah he's really weird.

[@timothygibney159]

Another friend of mine said this. He still lives in an apartment and had his dream truck repod and his girl left him for a guy with a house and was more established 🤦‍♀️

[@dylankun28]

I could die at any moment so I need a car to buy drive through fried chicken

[@dakotah1978]

There are thousands of homeless people who lived like they were going to die tomorrow only to find out, they out lived their spending.

[@sereneseventeen4919]

I think like that.

[@auklett]

This man definitely failed the marshmallow test. Also, it would’ve been a bit more understandable if he had used the $500/month honing his body and craft. Skin care routines, gym, acting lessons, healthier food especially! That amount of fast food does nothing for him and his dream.

[@kyaaaaaaa____]

What’s the marshmallow test?

[@dynamichunter843]

@@kyaaaaaaa____ tell a kid they can have 1 marshmellow now, or 2 marshmallows in 15 minutes. Most kids will take the one now. It’s a delayed-gratification lesson. Same with spending money now, or investing it

[@gypsonny2]

But he is happy 😊

[@IamAWESOME3980]

@@gypsonny2 yeah, for one second and completely fcked himself for the next eternity. he aint gonna be a model by burning money like that.

[@petermiller9904]

But it’s an accord lol

[@CobaltLobster]

If this is his first role playing an overpriviledged Gen Z kid with no clue how the world works.... nailed it.

[@james9245]

😂😂😂 comment nailed it!

[@THELUNEINNATE]

It is interesting that so many ppl equate happiness to spending money, going out to eat, etc. Budgeting can be fun. It’s exciting to set goals and see yourself improve. Financially, physically, intellectually, emotionally… It’s fulfilling to get creative on how we bring happiness and fun experiences into our lives.

[@CalebHammer]

Exactly!

[@OceanSlim]

Yea he's going to be real happy when he's 70 working at a car place with no retirement.

[@redrover438]

To the people reading the comments, as someone who has worked for a credit card company, please don't pay your rent with cash advances. It doesn't 'help' your credit at all, regardless of what George thinks. You're just paying fees, that's it. Only ever do those in emergency situations and NOTHING ELSE.

[@darkpraxis]

I was going to ask, how does having a revolving credit card balance and taking cash advances on lines of credit improve your credit score? It can't be any better than just paying your balance off every month. You don't get extra points for donating your money to Visa and Mastercard through fees.

[@eametichonmobile]

As an experienced banker in the largest US Bank, cash advances are the dumbest decision ever. It screams desperation every-time I see a cash advance as most of the time it’s the last option to cash fund access. The fees are not worth it as the I retest accrues immediately and many times the reason you are paying the fee is because the bank sees it as a higher risk of non payment because it’s CASH. How do they know you aren’t buying drugs? Many times the cash available for an advance is only a portion of the card. You are better off with a personal line of credit over a dumb cash advance on a card.

[@redrover438]

@@darkpraxis It doesn't. Cash advances aren't purchases so there's no points that you receive for them with most cards. Revolving balance matters as far as the percentage that gets reported to the bureaus to make up your utilization rate, but that's only once a month. George is just not well versed in how credit cards work, and its a common issue.

[@inspirebeinspired4388]

He was making an excuse for his bad choices

[@desertrose0027]

I was flabbergasted by this as well. If it was really about maintaining a high credit score he'd pay his rent from savings (which is what he said he was doing earlier in the video) and pay his card off in full every month. Taking out a cash advance only to maintain a credit score seems crazy to me.

[@12345woohooz]

I just found this channel yesterday and already binged 8+ audits. I am extremely shocked at how many people are making incredibly poor financial decisions & am scared for these people’s futures

[@CalebHammer]

WOW, thank you so much, Jared!!

[@youre_dope]

SAME great channel Caleb!

[@alia1824]

I’d be worried if dejonckheere was my last name 😭

[@Bock728]

Same just stunned

[@TheCed5000]

It’s because they never had any financial literacy understanding. Blame the public school system

[@laurencallahan4600]

He's happy because he's deluded. He'll face reality soon enough. You were so kind and patient trying to get through to him.

[@petermiller9904]

He will definitely call his mom in the near future for money 🤣

[@M_SC]

You can’t logic someone out of a cult

[@thepassionatesaver]

This dude is unbearable. How can anyone be happy living like this? Never knowing if you’re gunna be able to make ends meet but being too unbothered and unwilling to make any changes at all. Mind blowing

[@gorgewashingtonful]

He has to realize the amount of time he's actually spend networking, acting, practicing is probably ~20-30 hours a week theres no way this dude is putting 80-100 hours a week going to shoots, practicing lines, reading books on coreography. You can tell its just not there...

[@nineteenfortyeight6762]

He's cardboard, isn't he? He doesn't think his pretty self should have to work.

[@Professor__Cow]

What a man-child. I have met guys like this. They see their life as a "gamble" but in actuality they make high-risk, low-perspective choices while ignoring folks who warn them of danger. The main thing they lack is humility or any willingness to heed the advice of others. Some never learn it. You could see it in how he fought you on every single thing you said. They are convinced that they know better, that they will be the exception. The big question is who will be there to catch him when he falls. A parent, sibling, or a girlfriend. I really hope when he does, it will teach him to slow down and learn how to actually invest wisely in himself.

[@morgankimball8535]

As someone who budgets, meal plans and tracks expenses constantly, this series has been very eye opening.

[@CalebHammer]

For sure!! It's wild out there haha

[@kierstenbrowne]

Honestly! As someone who keeps detailed record of my income and spending, these have helped me realize I could be doing even more.

[@morgankimball8535]

@@kierstenbrowne Yes absolutely! Next steps for me include side hustles and Investing.

[@EvitasBudgetingLife]

@@kierstenbrowne I was going to post the same thing

[@addisonandmom9259]

Could I ask you what you use? I wantnto be better at budgeting and tracking but I often forget about it

[@moneystrb22]

This guy is so fake profound. He speaks as if he’s the only person ever to have experienced an “aha” moment. He’s like a caricature of a millennial.

[@candy2325]

Omg yes! I couldn’t put my finger on it and you nailed it with your explanation. His responses seemed so phony and almost felt like he was acting in this video lol 😂

[@ichigo2012hollowmask]

He's an "actor". He talks in such a fake mechanical manner because that's probably what he picked up on for modeling interviews. Except outside of a modeling environment, he sounds absolutely ridiculous and looks like a buffoon speaking confidently about his financial negligence.

[@Mantl123]

He’s not old enough to be a millennial, he’s a Gen Z

[@laurab5849]

@@Mantl123 thank you. Don’t play is millennials like that lol

[@hyzerfl1p]

Lol

[@QuickSiR]

Watching this now makes me appreciate how much improvement Caleb has made on the channel.

[@voltaireon]

As a former B4 auditor, keep these personal audits up. I’m horrified at some of his logic with some of his plans. 🥴

[@davidward1880]

Holy smokes, this was hard to watch. You were so tactical and patient in trying to explain the failures in his arguments that he can not afford the lifestyle he is living. You did an incredible job trying to work all possible angles to deliver your message while remaining respectful. Kudos to you… I don’t think anything can change this man’s mind about how to prepare for life’s challenges. Keep up the amazing content!

[@CalebHammer]

Thank you so much! It was very hard to break through his wall :/

[@jayman8001]

I 100% agree with you. He knows how to read audience and get to their level genuinely to try and convey the point.

[@jha0024]

Yeah Caleb did a good job with the interview. I was screaming deep inside.

[@niveshproag3761]

"I don’t think anything can change this man’s mind about how to prepare for life’s challenges." Life will. His confidence is based on nothing. He will be full of regrets someday.

[@Nicole-em9yo]

Patience of a saint. Caleb is truly meant for auditing.

[@user-lr1zr]

Saying he was a business major as an explanation for why he thought getting a cash advance was ‘good’ for his credit score made me facepalm so hard

[@Sobriebaby]

He clearly did not pay attention

[@theakinyemis2244]

That was 100% my favorite part 😂

[@jordijimenez2634]

Too bad he wasn’t an accounting major lmao

[@rwdplz1]

I mean it basically confirmed he was a business major. A carrot could get a BS in business.

[@connorflinn8137]

Believe it or not, a business degree means nothing except the fact that you’re teachable. They only teach leadership skills, outside of accounting.

[@radiatelight4100]

When I was younger I also felt exactly like this guy. I sold my house and I traveled the world for ten years. I went through almost all my money. My attitude was YOLO. One day I realized that I had nothing to fall back on and returned to the US. The plan was to buy a little condo with the little money I had left. Little did I know I could not afford anything anymore due to inflation. So now I'm starting over at 50. I wish I would have understood when I was younger that being happy didn't mean abandoning my financial goals and responsibilities. It was so much easier making money ten years ago than it is now. Take advantage of your youth to save your money and invest it. You can still have fun while being financially responsible. This guy is in for a rude awakening. As soon as he dries up his savings he will realize his mistake. He will learn the hard way.

[@aarg2609]

I'm 34 and saving hard. Other side of the coin is I worry about not traveling and enjoying life because Im saving so much. When I am where I want to be I will be older and traveling young seems so much better.

[@mattychaz4223]

Now a days it’s even worse with social media culture and everyone wants to show off and wants to one up someone.

[@rockythegoddess6496]

Facts

[@StTimmy]

@@aarg2609 I worry about this too with my wife, but when I look at the chance in the future to maybe retire earlier and pursue what I love in the future, saving seems really responsible.

[@candy2325]

I’m 33 and save/budget on a weekly basis and always put aside some fun money so that I can enjoy life as well as manage my money. I booked a day trip to Boston to do whale watching in the next couple of weeks. I have a sinking fund called “Fun” and I have money there to do fun day trips, eating out, movies, etc. it makes the financial journey manageable and not feel super boring lol.

[@brianf761]

Silly me is here thinking that "higher dining" means buying clay pots, a smoker, kitchen gadgets, then ordering wagyu steaks, lamb chops, iberico pork, exotic spices, and learning new recipes. Turns out I could just drive a couple of blocks to Whataburger.

[@roxxylala26]

Str8 up, this show made me pay off my remaining student loan & put my financial matters in order. Thank God, it hasn't been this bad. So I'm getting my sh*t together ASAP.

[@yeedurlasthaw]

felt this!!!

[@sampritchett8381]

Its nuts to me that instead of buckling down and making his money last longer, he's instead choosing short term happiness at the expense of his dream. Pursuing the dream is cool, but by spending all this money eating out and not working part-time he is actively killing his chances at making it happen.

[@CalebHammer]

Yeah :/ very sad

[@darkpraxis]

Seriously. It sounds like he had two competing dreams -- one is to model/act, and two is enjoy life by spending money. He can't afford both for long. Many hopeful actors, including those interviewed on this channel, usually have a waithelp job or other service job while hustling for that breakout role that may never come. Just not working at all and living it up with meager savings is just irresponsible. Go for your dream, but be responsible.

[@therearenoshortcuts9868]

sounds like he's in a hard psychological place it's a cope

[@jsparks1979]

He sounds like Cory Feldman and just as delusional.

[@leslie974]

Yes I completely agree. Actually pursuing a dream means REAl sacrifice not just saying you are making sacrifices. His mind it to focused on instant gratification and excuses to due what it actually takes to have a real chance at a dream. No sacrifice + no job + no planning= No dream

[@revsfan28]

When you said “No... you’ll cook fried chicken at home” that just took me right out. I also fell out of my chair from laughing. I am shocked how you’re able to keep your composure during these. This one was wild.

[@CalebHammer]

hahaha, thank you, thank you

[@nafets7219]

His girlfriend: "Babe can you do the dishes for me?" "Can't babe sorry I could die tomorrow. I don't want to waste time I just need to be happy right now"

[@candy2325]

@@nafets7219 this is beyond accurate 😅😂😂😂

[@sonroqer8448]

He seems to be doing a fake it till you make it mentality. He is trying to do things the way he feels is right and anything outside of that that involves criticism makes it a “Welp, can die tomorrow” as a defense mechanism to his finances. He is going to continue doing what he is doing because he also can’t accept that he is wrong until it is too late. And even at that time, he will continue to be in denial.

[@RyuzaChuden]

As a former theater kid the number of folks that now want to be actors bc of social media just boggles me, and I realize how annoying we could sound at times saying we wanted to be actors when we grew up. Thank god for required gen education and a desire to be financially stable and a realistic high school teacher that told us to get day jobs. Happily in a 9-5, the actor/ social media grind doesn’t even seem appealing

[@jacobsmith3010]

Good on this guy for having a go and chasing his dreams. But man, this dude won't even listen to very reasonable advice that will let him chase his dreams for longer

[@CalebHammer]

Dreams are good, math and plans are very important too!

[@Jfreire16]

He’s not really chasing his dreams. He isn’t willing to do anything to give himself a better chance of achieving his goals.

[@CalebHammer]

@Chezco 😂

[@jha0024]

He just wants to be happy!!

[@americangirlx4]

@@jha0024 Who doesn't wanna be happy!!?? But most realize bouts of happiness are brief, not a constant state of being. Striving for contentment and satisfaction in a life well-lived, pride in achieving goals and accomplisments thru hard work and sacrifice....Sounds better than living way beyond my means to impress strangers.

[@BeeTimesTwo]

I was internally screaming this entire time. I want him to make it!! But he’s going to make it so much harder for himself. Almost everything he says is insane!

[@CalebHammer]

For sure!

[@jha0024]

Your not the only one screaming. I was like DUDE… hear yourself talk!!! Your making zero sense.

[@timothygibney159]

How did you think when you were 23? Lol. Same with me at 23. When he is 33 he will be whistling a different tune

[@BeeTimesTwo]

@@timothygibney159 I wasn’t like this at 23. Hopefully this will inspire others to have good habits.

[@petermiller9904]

At least he’s happy 🤣🤣🤣

[@maxwellisabella7613]

My mouth was open the entire time. Gotta hand it to him, At least he’s willing to go down with the ship like a champ. I mean his answers to your questions were just insane.

[@CalebHammer]

That true haha

[@darkpraxis]

He talks a big game, but what happens when the ship actually goes down? I'm sure someone will be there to bail him out so he can go back to his old job, if it's still available.

[@jha0024]

If the ship does go down… all I can hear from him is that “he’s happy”..

[@BadPlayaMah]

kudos to Caleb. The strength of will to either not be infuriated or to have it under control is ridiculous. Part of me wishes it would be possible to do a follow up with these people to see where they are in like 1-5 yrs time

[@AyyGin]

He thinks he's smarter than he really is and makes excuses for everything. I'd hate to have this guy be my service advisor when I bring my car in.

[@stevenbrooks1243]

Exactly

[@albert275]

Caleb, I'd love to see you ask more questions about their parents' background. To me, that is the number one thing that can help understand why some people feel urgency and others do not. It's worth knowing what their goals are for taking care of their parents into their old age (or not).

[@albert275]

It's not worth the audience feeling bad for them if their parents are well off and they'll receive huge inheritances.

[@TheSUPERHAPPY1]

You might enjoy the book "Know Yourself, Knowledge your Money" It's about how your parents energy towards money influences your perception of money

[@garyurban5373]

This poor guy is conflating short-term thinking with happiness. I hope it doesn't take him long to learn it's not happiness, it's coping.

[@CalebHammer]

Yup :((

[@azhaircountess9798]

Wise words

[@GentlRebel]

“Golden Chick makes you who you are?” 😂 This sums up the whole video. This audit was a fool’s errand.

[@popyNcorny]

This guy is living way above his means. He’s going to be homeless or rack up so much debt if he continues on this path and doesn’t make sacrifices. I’m blown away by how people can live like this

[@CalebHammer]

I think he'll be bale to get his old job back and not be homeless, but the debt I fear

[@mildsoup8978]

The word entitled gets thrown around alot these days, but the shoe definitely fits in this case.

[@TheKendraKB]

How deluded is this person? I am sorry if that’s harsh but he needs a reality check. He doesn’t have a special face or physique that sets him apart from every other white guy wanting to be an actor or model. I’m halfway thru but very frustrated with him and I don’t even know him!

[@CalebHammer]

I think that reality check is going to hit him pretty soon :/

[@ollyhughes8557]

This was painful to watch Caleb🤣 how can he justify all those things

[@CalebHammer]

haha, he can't really!

[@user-nc7oh2rn7f]

But he could die tomorrow!! 🤣🤣🤣

[@petermiller9904]

But at least he’s happy 🤣🤣🤣

[@angeldeshan]

I’ve binged every single one of these videos and tbh when i feel like i’ve made a bad decision these videos help me realize it could always be worse and course correcting is easy if you are disciplined and willing

[@aaronfisher7159]

“It’s higher eating than a lot of people can afford” *eats nothing but low grade fast food* This guy also isn’t going to make it anywhere. You have to be willing to make sacrifices, especially when you have a $0 income. He could have doubled the amount of time he could pursue his dream but he doesn’t want to sacrifice.

[@CalebHammer]

It's really sad :/

[@tranquil5892]

"Being happy is easy" - the guy who NEEDS $500/month on fast food to be happy while his only work and worry is checking acting role postings.

[@CalebHammer]

lol right?!

[@TheCed5000]

Sounds pretty easy. Maybe everybody should do it.

[@savannahaustin232]

this really feels like he expected to make it big as soon as he started trying. like he didn’t make the sacrifices because he didn’t think he’d need them.

[@CalebHammer]

Yeah :(

[@trent797]

I'd have so much more respect for him taking risks if he actually sacrificed things to do it and didn't just reduce his luxury spending by, like, 10%.

[@thelucky1111]

this channel honestly has gotten me to budget my paychecks i already made a spreadsheet tracking my spending last month making me realize my husband and i could easily cut down on our eating out spending and increase our saving by $200 a month!

[@CalebHammer]

That's amazing, I'm so happy to hear that!

[@lilac7192]

That’s awesome! We’ve definitely cut down on ALOT of eating out/coffees!

[@camillealoysuis9827]

Your videos have been so eye opening. I recently just paid off a high payment vehicle and my mind went straight to "let's buy another!" But after watching your videos, I have stopped to see what the best option is for me long term.

[@CalebHammer]

WOOO!! Congrats, that's amazing to hear :) Please think long and hard first!!!

[@darlenepaul2918]

Save cash for your next vehicle for 3-5 years.DON'T buy a NEW vehicle.Buy one that's a few years old.Let someone else take the depreciation hit!

[@a.h.2667]

The problem with the "I could die tomorrow" argument is someone still has to foot the bill if you don't have burial or cremation expenses in place.

[@Katelynificationable]

Exactly! I’ve had two friends (early 20’s) pass this year unexpectedly and both of their families have had to scramble to pay for their services. 😕

[@debbieframpton3857]

I bought cemetery plots paid for all the expenses except for opening of the grave when I was in my twenties I am now 68

[@TuMadre6995]

this guy is why older generations make fun of us omg. so many cliches i can't believe it's real.

[@blakesking6615]

Spends half his monthly income on restaurants 😂. I was fucking dying. “Keeps me happy, keeps my fighting”. Dudes not gonna be happy when he goes bankrupt

[@TuMadre6995]

@@blakesking6615 he “could die tomorrow though” 😵‍💫🙄

[@JZZ13JZZ]

" your lack of concern, concerns me" boom no better words that could almost be a tag line for every single one these audits.

[@CalebHammer]

Thank you :)

[@stropheum]

Not to be rude, but did this guy know what this meeting was for? he wants a financial audit, but is unwilling to compromise on any behavior

[@romteb]

He obviously wasn't here for financial advice, he was here for exposure, he came out looking really immature and impossible to work with.

[@stropheum]

@@romteb yeah bit of a backfire. Any potential employer is going to see lack of work ethic and someone who isn't reliable, especially if a short contract might require long hours

[@kristinefriend7344]

After binging nearly all these audits, I need to take my parents out to a nice dinner and thank them for the advice they've given me verbally and through handling their own finances. It is mind boggling to me how my peers can live in so much debt and seemingly be not concerned about it!

[@Green__one]

Or take the advice on the channel and cook them a nice dinner at home :)

[@unspokentenacity]

Definitely thank them.

[@FireRayquaza24]

You can’t AFFORD to go out!!

[@laurasargent8746]

Speechless on this one. Caleb you have patience of a saint.

[@casp3roo7]

Pretty sure he came on the show only for the exposure, not for the "not financial advice". He seems like the type who has always been able to out earn his spending.

[@cynthiabogacz9740]

Yeah.. I was a bit frustrated, he seems to “know everything” does nothing for himself financially but came on this to help him financially? He doesn’t want help at all. Literally just wanted more people to notice him, maybe reach out to him, to get his dream.. I can’t imagine spending the way he does while not having a steady income, or really any income.

[@jacquelinemartinez4992]

My thoughts exactly. It feels like he’s just acting and someone just asked him about his hardships and upbringing instead of a financial audit and actually listening to financial advice

[@nameredacted9119]

We’re going into a recession and he thinks he can just get a job and pay everything off within a month? Where did he get the audacity bc i want some

[@CalebHammer]

haha yeah some extreme audacity there

[@Willsy]

Oh wow, this one was difficult. He’s betting on himself and that’s great, but he’s so unrealistic. He absolutely can still work and chase this dream, he can work part time. There are heaps of people who have (and have not) made it and worked while chasing the dream. He’s not willing to sacrifice eating out because that’s “looking after himself” and “keeping himself happy”. That’s ridiculous. He’s not willing to sacrifice in the short term so he can chase the dream for longer. He’d rather continue his same lifestyle and only chase the dream for half the time. He’s shooting himself in the foot. If being happy is so important to him, why is he doing this financial audit? He obviously doesn’t care about his financial situation and while he’s not working consistently there’s no real point discussing his financial goals and future. I wonder if this is just a part for him to try and put himself out there a little more. If it is, I hope he realises that this makes him look bad and shows how unlikeable he is. This is rather mean - but with his attitude, I hope he doesn’t make it. His attitude toward the world is just unrealistic and he needs a reality check. I hope he has to go back to getting a regular job and puts his life back together. Golden Chick will still taste the same and make him just as happy.

[@CalebHammer]

Exactly, well said.

[@BlackPaladin2]

When you're naturally good looking things came easy for you because of your looks. He definitely specifically is only where he's at because of his genes. If me and a most people I knew ate nothing but $500 worth of fried chicken and burgers for a month we'd become fat instantly. Just the grease alone in all that fucks your skin normally and makes you break out. But this dude apparently has done it constantly for years and is thin, in good shape, with good skin too. Apparently "happiness" is just eating $500 of fatty foods every month and still looking good, which literally isn't realistic for like 99% of people. It's ridiculous. He also had a sales role at a car dealership where those types of jobs generally hire more off looks than anything. Those same types are also usually delusional because they talk up their game to try to sell you something. It's where the whole idea of a good looking scummy car salesman comes from lol. And that's literally what he's doing with his actual life too. Claiming sacrifice, claiming he's all about good food, yet he's just spending half his income on fast food. No fine dining. Just fast food. No real sacrifice. Wow he doesn't go shooting as often. Holy cow. What a sacrifice! I've watched all the audits so far and loved them. Most are willing to actually sacrifice and make a real change to their lives, but this dude is just delusional and entitled.

[@FaivenFeshazion]

Agreed. I’m in my 10th year in NYC and am literally living his dream - commercials, TV credits, modeling - but I ALWAYS stayed humble and had a side hustle. Hostess, catering, events, etc. I am debt free 100% because of this. He has no idea what he’s doing.

[@WookieSenshi]

I am in disbelief of how bad this guy's situation is, and how he has zero sense of urgency to fix it. "I could die tomorrow." Oooor you could live to be 70. Statistically you're more likely to live to be 70. Lol

[@jesseauyeung]

He gave me Luka Magnotta vibes (Netflix Don't F**K with Cats: Hunting An Internet Killer) . How he talks, doesn't take no for an answer.. Love the show Caleb!

[@CalebHammer]

Thank you!

[@Mr_NB628]

This guy is delusional. $500 on fun with no income is insane.

[@mattychaz4223]

This guy has all the makings of never having consequences.

[@KingTrolinskey]

I think one of the things that is hard to convince people is “you can’t afford this or that” when they’re already buying/spending it but they’re not contributing to their debt so they afford everything but their debt. People are just not taking your advice and it’s comical to watch. They take priorities in the wrong things but one major thing they don’t get is credit doesn’t matter if you have no money to your name for a downpayment for anything lol

[@CalebHammer]

It's really sad!

[@desertrose00]

@@hhjhj393 its not human nature. It’s American nature.

[@bryan8638]

I could not stop laughing at this ridiculous guy. I hope he gets a tv show gig as a car salesman in a comedy.

[@jol7362]

Lol hold up this dude is pulling 1k a month and has a girl I make 7x that and I’m single 🤣🤣🤣 fuck is wrong with me

[@awdrifter3394]

He's pretty good looking.

[@TeePowell]

His unwavering confidence makes me think he has a lot of money stashed in that safe deposit box. Otherwise, it’s alarming.

[@CalebHammer]

Right :(

[@RyanDeLaHaye]

Chances are whatever is stored in that box is either a high amount evading taxes or not that much total.

[@petermiller9904]

He’s acting 🥴

[@jenniferou]

Or he’s planning to mooch off of his girlfriend

[@Baconbeerify]

This dude is insane. Happiness is fleeting

[@CalebHammer]

True!

[@tmab96]

I love these. Found it on Tik tok 2 weeks ago binged what was there and been watching every week. I think it's crazy how people try and pursue these dreams full time. There's a crap ton of actors out there where their origin story was waiting tables or doing some side hustle until they got the call

[@CalebHammer]

Thank you so much for watching :)

[@ignazs.5816]

@@CalebHammer and there are millions who never get that call.

[@rwdplz1]

When I started watching, I thought, "This guy is like my little brother." Halfway through the video, I realized, "This guy IS my little brother." Head in the sky in his own little world, always looking for the next scheme to coast through life on, following this same mantra.

[@spiderman20088]

Hate on him all you want but people like him keep the economic consumption machine churning

[@jordandowland7256]

Wait this is real? I thought it was an ad for Honda!

[@rustyshackleford9450]

No retirement savings and spends $500/month on food 🤔

[@CalebHammer]

Yupppp :(

[@yamaha825]

Putting the Golden Chick logo over his face caught me so off guard. Made me choke on my food 😂😂

[@CalebHammer]

hahahahahah

[@latuman]

"I could die tomorrow!". You know what's even scarier than dying tomorrow? Living a long life of poverty.

[@Fredman5551]

This guy is wild. He equates having a plan to be sad. It’s so strange.

[@starrwinter]

Can’t wait for this update episode… the amount of now-famous actors/actresses that worked min. wage jobs while perusing their dream is pretty staggering. Sending him luck but I sadly think we know where this dream will end up 😔

[@VincennamonLe]

"I could die tomorrow" is the most cop out answer I've ever heard. By this, he will somehow avoid death in every instant, live a long unfulfilling life with uncontrollable debt that affects not only himself, but all those around him. Everybody should give chasing a dream a go but this guy is delusional... Also, if he is an "auto guy", why doesn't he buy a beater and fix it up himself which saves so much money on minor servicing costs?

[@Faisaldegrt]

It's true tho, many people keep planning for a future they never attain.

[@VincennamonLe]

@@Faisaldegrt some plan to fail, some fail to plan. Some plan and then never take action because the plan isn't "perfect". Sometimes, the best thing to do is just to do it and if it fails, adjust. He says he wants to put his everything into chasing his dream. Get rid of the car, work 6 months and save as much as possible, buy a beater and work on it. Anime? Stream it for free or watch it with ads, he can't afford to pay for that. If he is a foodie, learn to cook as its fun and a good skill to have. Not enough time in the day? Set up a way to apply as much as possible in the shortest amount of time possible for gigs, something automated or hire someone to outsource that to while doing side jobs/main job with reliable income. There are lots of ways to go about this but to me, he isn't committed to the dream, he is committed to the fomo with a mix of laziness in there. But that's just my opinion.

[@zkyezz1]

Just found your channel and binged a bunch. My wife and I make a substantial combined income, and we are constantly striving to plan and make great decisions. Even at 34, I feel like we are still behind where we should be. I wonder... How the hell do people that earn less than a quarter of our household get it all done with more expensive homes, more glamorous lifestyles, more kids, and more cars? I guess they aren't saving for retirement (or seem to care at all), are deeply in debt, and ... Just somehow managing to be around. Almost every video is an absolute SHOCK. I can't believe people live their lives with such laissez faire attitudes, but boy does it make life make that much more sense.

[@CalebHammer]

WOW, thank you so much!! I'm glad you've been enjoying :)

[@cara5484]

This was a tough episode. I have a lot of sympathy for people who find themselves in tough situations. But the most important part is the willingness to take the steps to get better

[@CalebHammer]

Well said!

[@Max-wk7cg]

“I enjoy the finer things in life, you see, such as higher dining I quite enjoy” Caleb: WHATABURGER WHATABURGER WHATABURGER 😂

[@sydneybernstein7407]

This guy is the epitome of entitlement and privilege.

[@CalebHammer]

I think you might be right :(

[@abramplybon6801]

Bro thinks this is an audition 😅😂

[@CalebHammer]

haha

[@danielratner]

God what a shmuck. I wish him the best though. This series is so eye opening to the state of young people in the USA. I used to roll my eyes at all the articles attacking millennials and their spending habits, but since your series I'm really starting to see the issue. There's going to be a clear divide in the future between people who saved and were able to budget, and people who didn't.

[@tastyting756]

Yes, this guy is a millennial, but Caleb's also a millennial. Just a small nitpick about the generalization. Not denying this guy being an immature shmuck. However, he's still pretty young, so he's got some time to learn. Hopefully this is a good step in the right direction for him.

[@CalebHammer]

Yeah, I'm also one! There are good and bad, just like any generation!

[@user-nc7oh2rn7f]

He said he's 25. I think that puts him on the outside edge of being Gen Z. So you don't have to claim him, Caleb. 😂

[@danielratner]

@@user-nc7oh2rn7f That's how old I am, but I consider myself a millenial. Whever the label, I don't think it really matters. I just see a clear divide between the mindset of between older generations and younger ones. This whole notion of "I want to be happy" and not wanting to sacrifice seems to be very common with people my age. again it's a generalization, but I just see it so often, especially in these vids.

[@JamesWilliams]

@@danielratner I'm an older millennial. You're right, it is a mindset difference of having/wanting to struggle to get what you want vs banking on the possibility of "overnight success with vague goals of I want to be famous on Tik Tok or KZbin." You ask some of them what unique perspective they are bringing to that platform to stand out and it's "I dunno, I want to be famous."