Dumb Blonde Can't Get Her Life Together | Financial Audit

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[@CalebHammer]

Before people get angry about the title: SHE WALKED IN THE ROOM AND TOLD US SHE WANTED "Dumb Blonde Can't Get Her Life Together: TO BE THE TITLE. Love you ;) Also, we just moved into a new office, and our first office tour will be uploaded to Patreon supporters this Sunday: www.patreon.com/calebhammer

[@kaylingalewitz]

HAHAHA the best

[@Larissa-yp2os]

Love you Caleb!

[@kylerowland1227]

Figured lol

[@liv8752]

Wrote my comment before reading this, sorry!

[@randomsomeguy156]

Should make it a permanent thing that guests pick their video title!

[@kay9056]

Please bring her back in 6 months for a follow-up - not an entire year - we need to see the accomplishments she'll have then.

[@Sickwitit18]

This goes for all guests! I need more guest returns

[@kimeikoraevision5446]

Faaaaaaacts... let's see some 6 month updates!!!! Yay! 🎉🎉🎉

[@nicoleger414]

rooting for her!!!!

[@stupidchange]

Would love to see a return, I hope all is well!

[@bc9554]

She called herself/family trailer trash but she’s by far one of the least insufferable guests to date. Full confidence she will at the very least be able to get out of debt.

[@bc9554]

@ouvretagueule Uh no, its a borderline slur for white people.

[@anirudhpottammal5909]

@@bc9554Not a slur that’s a bit dramatic

[@bc9554]

@@anirudhpottammal5909 Slur: an insinuation or allegation about someone that is likely to insult them or damage their reputation. By definition it's a slur. It is most commonly used to denigrate white people specifically. I should have specified. It's a borderline racial slur*

[@daveb790]

Mic drop 😆@@bc9554

[@democracydignityhumanrights]

It’s more like a slur for poor people rather than white people “White trash” which is a related term is the version that’s targeted towards white people Source: I’m a white rural southerner and we are experts on slurs because we created a lot of them including these two terms.

[@afta-mf1tl]

5 minutes in and this girl is way more on it and self aware than 99% of the guests on this channel. She's going to make it.

[@ericachapman6749]

Finances aside I’m just so proud of her for breaking generational curses and pursuing education. A 24 year old female chemist is such an accomplishment, especially coming from her background. I have every confidence she’s going to have an amazing life both personally and professionally. Can’t wait to for a follow up! She’s going places

[@fullmooneve1651]

Totally agree.

[@ingridcamacho8917]

Yesss! I'm right there with you

[@BusinessUnikitty]

"Recycled, if you will" had me ROLLING. 🤣

[@xtiebro]

He really didn't give that the appreciation it deserved 😂

[@katana723]

"Your mom has a nursing degree" A-yoo holy shit, she brought the receipts.

[@jasonbailey6664]

Definitely the most prepared guest.

[@KaylaMarie_]

“Didn’t you make 6 figures??” 😂

[@hillerepera]

I loved how he started defending himself like the guests do 😅

[@FlorRAWR]

I’m glad she said it cause I was thinking the same thing!

[@cheesus9512]

Refreshing to actually see someone take this seriously.

[@ineshrai]

She might refer to her family as trailer trash but you can tell they raised her to treat people with respect, great guest so far.

[@BestShootermanUbz]

She’s so defensive and emotional though.

[@amoose8439]

​@BestShootermanUbz she for sure had her moments, but within 45 seconds came around again. Someone taught her to say yes sir all the time.

[@BestShootermanUbz]

@@amoose8439 all she does is use excuses and pretends to be a know it all. Listening to her have an answer to everything while also being in denial is just dreadful.

[@WhiteRhino.]

​@@BestShootermanUbzshe literally says "I know I didn't have the money and shouldnt of spent it" plenty of times. Of course she's defensive because she's getting reamed.

[@amoose8439]

@@BestShootermanUbz there have been so many worse guests that it didn't seem as bad to me. Maybe I'm jaded, and she did apologize and accept dropping hulu etc afterwords.

[@Lime6291]

Oh shit, I'm an analytical chemist. Excited to hear her story! Just heard her salary. Man I wish Caleb had pointed out that she is incredibly underpaid as a chemist and especially as a chemist in oil and gas. She should lock in a year or so of experience at her current job and then hop for a pay bump, she could easily be at six figures within a couple years.

[@nixy0909]

As a geologist who worked in O&G for a few years that was the first thing that stood out to me too- how underpaid she is.

[@cheesus9512]

Not surprised tbh, companies will shaft people for entry level no experience. Hope she does get paid later.

[@alexita000]

Well she gets 50,000 after taxes, so she is pretty close the 6 digits.

[@Lee-fw5bd]

​@alexita000 not close to 6 figures. At least in Texas. That's around 60k-65k per year

[@jogandsp]

Hey man. How far into your career are you? What was the highest degree you got? I'm still doing my education so I'd love to know

[@GarrettTrimble]

Less than a minute in but already feeling like she will be a guest with a good chance of fixing her life just by the fact she knew her income after taxes on a monthly basis

[@tully6648]

Considering some guests, the fact that she answered the first question immediately made me breathe a sigh of relief.

[@steveklein9335]

😂 incredible how low the bar is. but you ain’t wrong…

[@GnarlyChef]

This comment didn't age well...

[@jpegjake]

I wonder, would Caleb ever give a review for someone doing mostly well or is that just way too boring? maybe they just need exotic assets/life/investments ....

[@BrandonWestfall]

A minute in and I think th exact opposite.

[@OneThiccThresh]

1 week without pills seems like nothing for regular people but that's honestly incredible, hope she continues!

[@teubks]

Especially from what she was taking in a day!

[@kimeikoraevision5446]

Me too! ❤❤❤ praying for this gal!!!

[@bloodbuffy]

PREACH. It's incredible!

[@emeraldbarker-l5x]

For real!!! But she called it Omitting her accomplishments Very well spoken

[@gigi2k326]

Right! She doesn't appear to be in withdrawal of any type. Good for her.

[@lwatersmusic]

Honestly the banter and conversation between them is adorable. She’s very likable!!

[@AgentofChange911]

They see extremely compatible...

[@gracephillippe]

@@AgentofChange911I thought the same thing!!! I’m like oh okay 🫢😏

[@kattttt9585]

He said on his recent video with the money guys and Graham that he’s been going on dates with a girl he met at a fish shop!!

[@audreywilliamson8331]

I came here to see if anyone else thought so!

[@christineb8148]

I thought "they have great chemistry" before I realized the pun :-P

[@cereal76]

I really hope she pulls through. This episode was generational poverty in a nutshell. Moving into a sketchy motel, grocery shopping at the dollar store, and letting "but is it all included" stop her from getting a safe place to live. I get it, I was raised lower-middle class and made all the same mistakes my parents did before I started educating myself on finance. I hope she takes this opportunity and runs with it!

[@tkatrich3]

On her income she could buy a small apartment with no problems.

[@darthcholo]

Yes even with mostly worthless general education college courses and high school courses, she pleases ignorance. Fine your parents didn't know, but then is it the education system that failed her since she succeeded through it?

[@Nicolisweetiepie]

In my opinion she should leave that motel ASAP. Actively being harassed, and being denied basic things like hot water is not worth saving 100 bucks a month.

[@samwise1790]

You should NEVER live in a motel in midland-odessa. EVER. Those motels are used by the lower rent temporary field crews and roughnecks and washouts of the oilfield, drug dealers (mostly meth and opioids), and prostitutes. There are ok places to live in either town, but it really helps to have friends who've lived here for a while who can tell you where is ok, and there are many. I moved there juuuust shy of a year ago. But to be honest, for someone who wants to be a chemist and be in the oil and gas industry, she should get a job with a service company in Houston, they employ plenty of bench chemists for sample and core analyses. If she wants to do R&D chem the majors and major midstreams have large well funded labs in Houston for that.

[@robertsprague3981]

Yup, those monthly rate motels are usually pretty crappy and in the crappy areas of town…I’ve stayed in those a handful of times.

[@BrandonWestfall]

@@stuff1784Better than being homeless.

[@andreaiffrig4430]

💯!!

[@hiyabuu]

She has a gym membership at pf. she has access to hot showers, clean water and wifi.

[@laney7776]

You know honestly, she’s way more aware than most people who come on the show. She knew her income, worked on quitting her addiction, and knew all her loans. I have hope for her ❤

[@nicojames813]

I like that Caleb is a little more lenient (getting a new place, letting the subscription go, etc.) when his guest demonstrates that they’re aware of their problems and committed to change.

[@loganbenson3266]

Bullying her out of Hulu when she lives in depressing conditions w/o many friends and begrudgingly “allowing” a $4 Spotify sub is not lenient. He is rigid and doesn’t admit that people deserve to have some modicum of paid-for fun in order to stick to the budget.

[@darthcholo]

Lol at Hulu keeping your mental health alive. Could get better entertainment from $1.50 in late charges from the public library.

[@alexisdawnx]

It’s hard to use your library resources when it’s not safe to leave the house.

[@uniquenewyork3325]

​@loganbenson3266 girl tubi is free and has all the trashy reality TV and movies you need 😭 she is in DEBT

[@ggundercover3681]

​@@loganbenson3266he can't until they prove they can be discipline tk actually allow it. Most ppl over do it

[@KidCorex]

Thank you Caleb, the Hammer Team and every guest who’s ever been on. You’ve all encouraged me to kick my ass in gear and I’ve finished paying off my $13,000 in stupid credit card debt today! Would love to come on the show some day :)

[@lordmasterdr2740]

Dude congrats!!!!

[@KidCorex]

@@lordmasterdr2740Thank you! 😊

[@rjechols2059]

Just paid my credit card off Wednesday!! It was only 882 but I am still happy 😂

[@y.w.9925]

how long did it take you? congrats!

[@ArtemisMaelstrom]

@CorexM Congrats!!!

[@sterlingauh]

This is so much better. I genuinely root for this girl - she's just the right type of guest and so much more pleasant than the people who can't take any responsibility for their own actions. One of the first episodes I've finished watching in a while. More of this please!

[@jonnyfrench1095]

She's my favorite guest by far. I like how she sticks up for herself, but also listens to Caleb. Hope to see her follow up!

[@averianawinfrey7453]

Idk i felt a vibe between the two😂 love her energy

[@Young_buck2423]

There definitely compatible

[@bellla333]

i ship them sm lol

[@jaquelinecorvera5269]

The subtle chemistry between them ❤

[@sakamotothecat17]

lol glad I'm not the only one noticing this

[@Tatorrella]

Omg I love this girl, “recovered trailer trash” took me OUT😂 She seems so sweet and genuine, you got this Kayla❤❤

[@youtubeuser206]

What's ur OF

[@Tatorrella]

@@youtubeuser206 idk if i should take that as a compliment or an insult😂

[@GnarlyChef]

Trust me it's not a compliment....

[@Tatorrella]

@@GnarlyChef well my pfp isn’t provocative so?

[@gnzr.]

~recycled~

[@unicornwitchprincess1004]

She is a total sweetheart! I hope you two become friends after this episode! I love how she tried to raise yourself self esteem when you got insecure about your weight. Very sweet! All the best for this guest!💖💖💖

[@janina873]

Or more than friends!

[@Cattlynt]

Right off the bat I appreciate someone who knows how much money they bring in 🤩

[@CalebHammer]

Hahah right?!

[@lianalonge1984]

For real! So many come on the show not knowing.

[@brianagillustration]

I work for student loan servicer and almost EVERY SINGLE TIME I have to ask someone how much they make, so they can get *INCOME BASED REPAYMENT* a LARGE portion of people just either don't know or dont have w2s on hand. its low-key kinda scary lol.

[@Ericbomb]

Man the bar on this show really is the floor, huh?

[@andhisband]

This gal craves approval and really needs guidance. It's good to see Caleb putting together a plan for her. Of all the people he's worked with, she seems most likely to follow through and benefit from his guidance.

[@adamseidel9780]

When she started talking about private student loans, immediately admitted she’d made a mistake, but then squealed right back at Caleb to listen to her before he yells, I immediately became her #1 fan

[@Bongalized]

Why?

[@TonyCox1351]

@@Bongalized she’s got a positive vibe and they have a good rapport

[@darthcholo]

Hates Caleb because he holds people accountable.

[@DiamontSeven]

​@darthcholo And he yells at them when they hold themselves accountable

[@michaelrobinson300]

​@@darthcholoor people who think they are better than everyone just like to tell everyone else what to do and judge people. You arent in people's sboes and dont know why they decided the way they did.

[@TulipsandCats]

She seems genuine. Paying off the old Michigan water bill spoke to her character. I hope she makes it and feel she will.

[@challajuzalei6126]

Kayla is hilarious and I think this may have been the best episode yet in terms of how you gel together with a guest. Seemed like such an effortless conversation. I hope things work out for her!

[@Banky33764]

Right? Like I straight up think they should go on a date. Very cute.

[@Jenny-df7xv]

@@aaronlover9814 he mentioned in another recent video with graham and the money guy show that he's seeing a girl he met at an aquarium shop :) but I agree they had a good vibe!

[@angelikalaser7778]

@@Jenny-df7xv maybe it was her and he got her on the show after meeting at an aqiarium shop... 😄😁

[@shianngdM]

I really really like her. I hope she gets into a safe place and flourishes with your advice. She seems like she just had a rough start with little direction but I feel like she can for sure pull it together. Great guest! And girly, if you’re reading this, I believe in you! You got this! ❤

[@rubano4ek]

First episode in a while when I was not pissed off by bs excuses. Would love to see her come back and show her progress. Good luck, Kayla ❤ I believe in you!

[@ses-ei7oc]

I love her. She's pretty impressive. Making good money at 24 with a great job even though she had a tough childhood and her dad dying. And I respect that she got that company in trouble for not having the proper safety equipment. I worked in a lab, and if they didn't have a fume hood with all the chemicals that we used, that would be a no-go. It's great that she wants to help her family, too. No doubt that she's going to be successful and retire wealthy.

[@grammaurai6843]

First guest in a while that I have real hope and confidence that she'll learn, take accountability and turn things around 🎉 Good luck Kayla!

[@kassinalynn]

I love this girl. I can’t wait to see her come back. Accountability, kind, fun, smart… keep your head up

[@cheyenne7022]

3 months ago, I found Caleb's channel by accident and have been addicted ever since.. I have saved a one-month emergency fund, started contributing to a Roth and paid off $5,382.57 in DEATH debt since October. It hasn't been easy but man is it worth it on the other side. Thank you to Caleb and all the people who put their situation on blast to help us! Let's get out of debt in 2024!

[@OutRagaous]

Rock on😊

[@patrykziarko6218]

Good job!!!!

[@ECA-14]

She was direct while also being respectful and knowledgeable about her situation. I’d love to see an update on her situation down the road!

[@kaylingalewitz]

I want to hear Caleb’s hierarchy of fast food. Can we make that happen in 2024?

[@CalebHammer]

Maybe ;)

[@firyunda]

​@CalebHammer The 1 million reward maybe?

[@kaylingalewitz]

@@CalebHammerPDQ better be in your top 5. Arguably the best tendies a restaurant can offer

[@davedixon2167]

The man actively dislikes In-n-Out burgers; I have GOT to know what the rest of his state of mind is, LOL.

[@alredxiii]

Pretty sure Culver's is in the top 3

[@nopenoperson7192]

I like her a lot, she’s self aware and handles Caleb’s criticisms while advocating for herself and asking for respect. I think she’ll make it

[@FlairYourFuel]

I related with this guest so much more than I have any other. Seemed like a genuine person who came from a rough background but is trying to turn her life around. Plus the snark and back-and-forth during the whole episode was like watching friends talk (though you guys had likely just met).

[@zoewilson8425]

Right?! The back and forth wad like nice chemistry - I liked this episode a lot.

[@angelikalaser7778]

The back and forth made me feel like I was watching people on a date 😅

[@mayumayudreams]

They definitely had really good chemistry 😂

[@ccb9894]

​@@angelikalaser7778 I felt this too. Good chemistry!

[@amandalmcgimpsey966]

Right!?! Totally agree. These two have great chemistry!

[@donvin999]

One of the better guests you’ve had in awhile. I’d love to see a follow up of her and I’m actually optimistic she will actually make some progress.

[@theAncientGardens]

Variable rates on student loans should be illegal. Those companies are just vile

[@PBMS123]

Lol why? Variable rates are the norm outside of the US

[@friendlysoviet1]

@@PBMS123 They should be illegal there, too.

[@random-ig6tp]

no it's not @@PBMS123

[@kungfoochicken08]

Should be illegal to take out a loan for an education if you’re too dumb to understand a basic financial instrument. Ffs, the government makes you go through an online course before you take on student loans and you idiots still don’t understand them.

[@thedude5040]

Private student loans makes up less than 10% of all student loans. All federal loans are fixed rate. For the haters, yes I'm aware there was a weird one off federal loan from the 1990s that was variable but it hasn't ever been offered again.

[@WafaaH]

I like her. She’s clearly smart and determined. She was just missing the guidance and push she needed. I believe in her. I’m rooting for you girl

[@YourRav]

I love her. Genuine, willing to take responsibility, no bullshit.

[@HavocHerseim]

Slandering her family... the ones who cosigned for her.

[@areyouserious7668]

Fam Is complicated. We don't know what's really going on​@@HavocHerseim

[@dh.151]

@@HavocHerseim she only ever mentioned it was her step dad, who passed. She also mentioned being homeless as a child a few times. You don’t know her full life story or what her family is like. Let’s not police a situation we know almost nothing about.

[@1juliasana]

I'm debt free as of this morning :) love your videos Caleb thanks to you and your team!

[@lalie9995]

I'm proud of you! 😊keep it up!!

[@harleyday95]

I love Kayla lol the banter and accountability in this episode was top tier 😂❤

[@joycef8443]

She is an example of pulling yourself up by your bootstraps. Poor background, no good resources. Fortunately she is intelligent and has a stem degree. It could be so much worse. You go, girl! I would be proud to know her! Can’t wait to see the update.

[@donaldlyons17]

You don't think a good job plus being able makes a huge difference? I used to live with people making the legal minimum or very close to it and they never paid their bills in full almost 1/2 the time and would not answer basic questions...

[@kimberbell4238]

Caleb.,it was nice to hear a situation that wasn't over the top! Watched this episode in one sitting without feeling to stressed out! She's got this!

[@adamseidel9780]

Her situation going forward is actually pretty good. She has a strong income with a very high and stable future potential income, has already been making progress cleaning up debts despite only being 2-3 paychecks into this position, and has pretty strong behaviors going, including eliminating an addiction. She is on track to have things totally cleaned up in a matter of months and given her background and attitude she’s going to feel super rich after that. Honestly her biggest challenge will be keeping things responsible when she suddenly has more money than anybody in her family ever has.

[@Mama2CDHsurvivor]

“It’s a phallic-shaped city” was not on my Hammer Bingo card today.

[@t1mmy13]

2 minutes in and she sounds like a badass, standing up like that at a new job takes huge guts, huge props!

[@CalebHammer]

True!

[@mattyoung9386]

Especially on safety concerns, hope the company got the fume hood but they probably didn't.

[@winry2357]

When it comes to chemicals, you can’t sit back and let that slide. I work with a lot of chemicals in my job that can really f you up and it’s super important to make sure all of the safety equipment is working well. A lot of times too, if you have a health concern, an employer might ask why you didn’t ask for a hood or proper ventilation or other proper ppe simply because they don’t want to pay your medical bills. I always tell our new people to bring up any and all safety concerns. I even tell them to feel free to call a “stop work” if anything feels off. Better to be safe than dead.

[@bridget7539]

​@@winry2357seriously. I work in a medical lab and we don't have a fume hood and there are a lot of specimens we just send to another facility because of it. And my employer isn't exactly stellar in how they treat us but they at least take the whole biohazard thing very seriously

[@michaela6073]

@@bridget7539how do you know that isn’t what’s happening here? Green engineers always want new equipment when that isn’t feasible nor reasonable.

[@maddiehags7104]

Honestly I feel like there’s chemistry between the two, it’s cute 🥰

[@krizak4421]

Pretty sure this is my favorite Guest. Looking forward to being proud of her when she comes back for a 2nd review.

[@lemmings6516]

She is like a fresh vreeze of reason in your show. The mindset is there, the values are there, only the emotional spending need some more responsibility. She will be able to recover from that and continue on a well earned path!

[@DrKepperGaming]

for the record, I'm 3rd gen college grad and didn't know how bad private student loans were until I started watching Caleb. I think it isn't a well known thing, which is disgusting and shows why Caleb dropping knowledge is so important

[@TorqueKMA]

They arnt necessarily any worse than federal so long as you have the financial awareness to understand the terms... unless the feds decide to forgive loans. In my case a fixed low rate (parent co-signed) was a better solution than federal where they pushed a graduated payment schedule... that said I also went through a credit union. Definitely not Fannie mae

[@nikkibadzik3948]

I wish there were student advocates who were required to talk to the student before they signed a loan showing them exactly how much they would really be paying for the life of the loan.

[@epikgamer4462]

“3rd gen college grad” bro what

[@DrKepperGaming]

@@epikgamer4462my parents and grandparents went to college; it was expected that I would go to college, and that my parents would go to college. My family (grandparents, parents, uncles/aunts, and cousins on both sides of the family) had experience in the process of going to college, and most used student loans. Yet still, the topic of private student loans being worse than federal never came up in my life when I or anyone in my family was going to college.

[@TorqueKMA]

@@epikgamer4462 what's your point. That's pretty common

[@keeks.45]

As a fellow young lady, i just want to hug her at the end of this episode 😢 it’s such a challenge being a young woman trying to survive alone. She is respectful, remorseful and looking towards to future with hope 💞

[@lauraelisee]

I actually think Kayla has one of the best personalities of anyone you’ve had on the show. Even if she struggles with finances, it was really fun to watch and she seems like a funny and genuine person. 😊

[@dm96177]

She makes me laugh! 😂 I love her personality and I hope she goes far in life. Keep up the great work and thank you for being in the very important STEM field! 👩‍🔬

[@mrscassandrasolano]

It takes a lot of smarts to get a Chemistry degree and it has high earning potential. If she gets her money right she’ll have a very successful future!

[@TwoBarMaster]

I love it when Caleb gets to make a solid plan at the end of the episode, laying out specific details for the guest :)

[@allisongrime4978]

Shout out for Kalamazoo Valley Community College!! That’s awesome. I taught a class this last semester and I assigned my students to watch one of your videos for our section on personal finances. Many of my students noted it as the most impactful section of the course.

[@maxprivate3805]

I sense some "chemistry" between the two of them...

[@TDiggz]

"I've stopped eating out unless I'm on a date" Trying to get Caleb to take her to get some Wendy's nugs

[@mc_creates3499]

She was absolutely putting out vibes

[@flonkas]

She needs to hit me up. I’ll put a ring on it. Anyone got her insta?

[@HomeVidEdd]

​@@mc_creates3499Not by calling him sir. I don't think so lpl

[@lalie9995]

​@@HomeVidEddoops someone doesn't know 😆

[@DaAvedes]

@@ishme3399nah it’s weird as shit

[@JKn1412]

Down to earth, recognizes her own bullshit, and respectful. She's got a good head on her shoulders, hope she makes it

[@mohnjayer]

She seems genuinely ready to change and make good. It’s always nice to have a little break from the total excuse-filled BS of most of the episodes lol

[@BestShootermanUbz]

You clearly didn’t watch the whole episode before commenting. She’s just filled with excuses and is super emotional/defensive on multiple occasions.

[@israel6187]

​@@BestShootermanUbzseveral comments I've seen from you say this but it seems like nobody else agrees here. Idk man.

[@BestShootermanUbz]

@@israel6187 Just look one comment below mine and he says the same thing. Don’t be selective on what you see.

[@colind1637]

@@BestShootermanUbzshut up bro

[@titamcfrizzy]

The Many Faces of Caleb 1:46 The "get to the point" face 2:54 The "upset dad" face 3:17 The "giggle" face 3:51 The "I wanna laugh but I shouldn't" face 8:25 The "do tell" face 9:24 The "regular squint" face 9:36 The "blank" face 9:41 The "constipation" face 10:28 The "thic boy" face 10:49 The "daydreaming about Wendy's" face 10:51 The "snapping out of it" face 10:58 The "nuggets fan boy" face 12:03 The "grumpy dad" face 12:21 The "impatient dad" face 12:54 The "what's your excuse?" face 12:59 The "growler" face 15:44 The "what is this?" face 16:49 The "pass me a Tylenol" face 17:36 The "phallic" face 21:05 The "huh?" face 21:51 The "cute smile❤" face 23:50 The "filler lips" face 44:37 The "crunch the curls" face Thank you❤

[@xcel007]

👏🏾👏🏾👏🏾👏🏾

[@meganmichaels9510]

Amazing

[@americanbeautyl]

😂 he needs to see this

[@EM_RPh]

I needed to see this. Ty

[@tay763]

Thanks to this this channel I have paid down my 10k credit card debt down to 3k and have started a savings account. I have downgraded my Benz and have a nice affordable Hyundai and I’m serious about budgeting now. I’m not where I want to be but I am happy with my journey so far 🙏🏾

[@maurice2014]

Take care of that Hyundai, the engines are not reliable. Look it up. I’d buy ANY Honda instead

[@liddlemountain7245]

Im really enjoying this duo. Their banter is so fluid

[@davedixon2167]

Hey @CalebHammer - at about 12:30 what she was saying is that she accidentally made 2 payments to her credit card, which contributed to why she didn't have the cash to buy the thing she ended up using the card to buy. She was just not explaining it well.

[@adrianacosta5189]

I'll let him know

[@SapphicSista]

Is it just me, or was there a little chemistry here? 🤭 Could be exclusively friendship energy. Great guest and interview.

[@jessie9539]

I really like her honestly lol she’s actually trying to better her life situation instead of using her life experiences as an excuse

[@herpsandderps8967]

For anyone in a situation like her, looking for a room to rent, get a realtor!!! Any realtor will help you find an apartment or rental home for no cost to you. They'll vet the units and make sure they're legit and meet you at the locations for tours. They take a commission on your rental after you find a place.

[@lindsaytruax234]

Realtors generally dont do it for free. You have to pay them a percentage of the rent. I have a realtor who assists me get realtor and i use to be an assistant to a realtor. Some might wave the fee for a friend but rarely.

[@herpsandderps8967]

@@lindsaytruax234 in the USA, at least, its free for the user. They take a percentage of rent from the landlord

[@johana3961]

I’ve decided that I watch these videos, not for financial advice, but because I have a crush on Caleb. The financial advice (that I need) is definitely an added bonus.

[@DataMama4]

Same! 🤣

[@youtubeuser206]

​@@DataMama4so r u single

[@terricox3559]

Same!!!

[@sharonmadan6677]

Lol 😂 is that why I'm binge watching?😅

[@chopsandtoots]

He's single now 😂

[@tonyb9428]

shes such a queen somehow this is my favorite guests ive seen and ive watched from the very beginning

[@Ravenousxrellik]

Kayla is wonderful! A breath of fresh air. Rooting for you Kayla 💯!

[@87Strong]

Second time watching because I was meal prepping the first time and couldn’t pay attention but I lowkey love these 2 chemistry together ♥️😅

[@Taydelphia]

I started watching your videos I believe around early 2023. I was still in debt with student loans for several years. Now, as of today. I'm debt free, pay off my card every month, and save/invest more in Roth IRA for retirement. 🥰 Thank you for your content/videos!

[@redfin382]

The random censoring is so weird. He bleeps out Adderall, then a sentence later he doesn't.

[@dh.151]

He has a small team. It’s mostly so the YT algorithm doesn’t age-restrict. We all know it’s adderall lol

[@mollyprice4112]

We need someone uk based to do financial audits on KZbin! All the tax and student loans are so different. Even so, you’ve helped me massively and I’m on my way to debt free 🎉

[@adamseidel9780]

The problem is your investment, debt, and tax situations are so different it would be challenging for Caleb to give any specific advice beyond making a budget

[@stefanreeves7219]

Damien talks money is a good uk option

[@mollyprice4112]

@@adamseidel9780 Caleb’s really helped me with my mindset surrounding money but I think there’s a gap in the market for someone to do uk specific, like you said It’s investments that I’m struggling to find support on

[@michellemcarthur2390]

I feel the same way, but in Canada. I have significant federal student loan debt but it’s 0% interest. I’d be curious to know his thoughts if I should pay that off ahead of schedule

[@stefanreeves7219]

@@michellemcarthur2390 0% is free money inflation will reduce the cost over time anything 0% no point paying it off early

[@RaijinCaijun]

Caleb, I like your show and at the same time am grateful the client/guest called you out on some problematic reactions to how she is progressing with her mental health care. When you laughed that she had been off Adderall for one week and she said something about that diminishing the accomplishment -- on the one hand I totally get your reaction, people see being one week removed from a titer of abused substance as, like, "well you're not really off, you're just a relapse away from being back on." But she nevermind deserves credit for seeing the problem, tackling it responsibly with medical support and evaluation, and deciding to take back control. Give her the credit for effort leading up to that one week, don't give her a reason to feel like she's going to fail when she's just started.

[@shelseejoseph9150]

I actually feel very hopeful for Kayla! You got this girl! Many blessings your way from here on out

[@thestillroombotanicals2932]

So glad someone on this show FINALLY talked about how dangerous Adderall is…even if it’s prescribed.

[@angelikalaser7778]

Agree. Everything has sideeffects even if is is life changing for those who got the prescription for a crippling condition.

[@kevinlue4756]

You mean ***bleep*** derall?

[@freethegays]

ADHD medication is a cornerstone of ADHD treatment and has helped millions of children and adults. Abusing any drug is obviously dangerous. Being prescribed any drug by a careless physician is dangerous too. But there's no need to be fear mongering about effective treatments for ADHD.

[@AlkalineGamingHD]

​@@freethegaysnobody here is doing that.

[@amiosa35]

Adhd medication is a life saver for me. I went off of it for several years and became nonfunctional. Many people who need it take less than they are prescribed because..ADHD. People have different experiences, and I am not discounting those who it causes problems for. Just saying that it’s not always dangerous.

[@Erepk]

Love her and so so proud of her!!!! Here’s to making generational changes! You got this!!!!

[@lauradalenberg3755]

She could probably get a roommate situation safer and cheaper than her own place…

[@tasteslikepurple122]

I love this lady honestly! Rooting for you Kayla!

[@Mizbecka]

I really enjoyed this episode. Probably my favorite one. She is very relatable and the conversation just flows. I hope she gets better housing for herself. I have lived in those types of motels before and looking back it was not worth the extra savings.

[@winedad69]

Let's go! I would love to see Caleb do a special episode cooking cheap, homemade Taquitos with some past guests to show how easy it is to make food at home.

[@NickRuedig]

I would love to see this too, taquitos for everyone!

[@grammaurai6843]

Yes! I know he's said that they worked out a meal plan for $200/mo and I'd love to see it.

[@applebinx]

Been watching this channel for over a year now and it's really kept me accountable. I had over 10k in credit card debt back then and have now paid it all off the other day. It feels amazing not to have that hanging over me. 😊

[@TheMuffinHamster]

I ship these two. The energy is so good. They are both such cuties, and I love this girl!!

[@jeremiegallant6335]

Best day of the week and we get a financial audit!! Absolutely love the channel and the content keep up the awesome work

[@eggychelle]

literally the highlights of my week ❤❤

[@jeremiegallant6335]

@@eggychelle and it comes 3 times a week what a treat!!!

[@m_piper]

She is charming and I loved the back and forth between them. I hope she's super proud of herself for breaking generational cycles, getting her degree, and getting a job that can sustain her 🎉

[@dominiquehardy2621]

So far I really enjoy this guest. She’s sweet with an awesome sense of humor. Almost gives sibling relationship

[@crashtestdummy1972]

I think this is the most likable guest you've had! I wish her all the best.

[@GStatus8911]

I secretly made a goal to make myself more financially aware/literate and suddenly your channel popped up! Loving the work dude. I'm tapped in 👍🏽👍🏽

[@amirmograbi]

She’s a guest I can get behind. She’s very likeable and respectful

[@Judep4237]

What a lovely young woman. I wish her the very best ❤

[@weebnoob4973]

This is the best guest I’ve seen. Hope she continues to go up.

[@jodeemackenzie]

Honestly I’m only halfway through so far but I think this girl is going to do well in her future.

[@Tornciti]

She seems like a gal with a bad start but with a good head on her shoulders. Best of luck to her.

[@bhnurse16]

I agree! She also seems like one of the few people who came prepared (overall!) to the audit and could say she takes home 50K/yr after tax and what the monthly pay was. And she took accountability for her actions. If she can navigate her way on the right path she will definitely be able to get herself out of debt and also in a safer place to call home ❤

[@sarah6320]

You got this girl! Being first gen and coming from no knowledge about school, health care, finances, etc is extremely difficult. You will make it through and set the path for your future family 💓

[@rjechols2059]

Grand marquis is a fantastic car. Also, thanks to Caleb and the team i’m ringing in the new year with no credit card debt 🎉

[@blurrble5]

I really liked this guest's personality. Hoping for the best for her!

[@amoose8439]

Wow what a great episode for the new year! She seems like she is half way out of a very deep hole, and while fiesty she agreed to change and kept herself polite. Im glad she gave a psa for her previous lifestyle choices to, great episode all around

[@gibboj81]

Kayla seems nice, and accomplished some great things with college and her job. Had some set backs but still fighting which is great. Another great guest. There was some nice back and forth in this one. No super crazy CC spend, and she was grieving. She knows what's needed and I reckon she will do it. I hope she finds somewhere safe. Love a 6 month recap. Nice Caleb.