how we lived off $37k combined income

[@ssbekind]

Absolutely love this video!! I think in the age of consumerism having this view is so valuable and so refreshing to see an influencer being so honest and practical!! ❤❤

[@micahbetten3572]

I just graduated from Hillsdale! It’s so cool you guys are advertising for them and standing up for your values:)

[@josiecullen784]

You two seem so genuine & humble, love it ☺️

[@lovinglifewithlaura]

Love your channel!! Thank you for focusing your content on real life and relatable topics. You are one of the most genuine couples on KZbin. Other couples only care about what they can show off and don’t focus on what could actually help others. Keep on doing what you’re doing! By the way, KC born and raised. Go CHiEFS and Rock Chalk 😀

[@asecmimosas4536]

It's beautiful that you all are building together as a couple! You're equally bought into it, and that's the goal, and it's going to get you places!

[@calebandabby]

Thank you so much!!!

[@tammyandrew9301]

Love your wisdom at such a young age! Also, love that you are not afraid to share your faith journey! God bless you & your sweet family.

[@kez165]

Thank you for this video!! It is so good to see a young family that we can relate to on so many levels!!

[@ssbekind]

Love your videos!! Love how practical and honest you are and I am always so encouraged and edified as a fellow Christian by your content! ❤❤

[@johnnysmommy]

All VERY smart choices! And will pay off sooner than it feels. 😊

[@christytheobald2088]

Thank you guys for making this video. Thank you for being real and honest. In a world where a lot of influencers have so much money and are not relatable, it is so refreshing to see real people who are honest and trying like the rest of us. Thank you for sharing your tips, tricks and your wisdom. Thanks guys. God bless!!!

[@natashacorrado]

I so needed this video. God blessed me with you guys! Its so easy to get wrapped up in the thought that everyone you look up to is getting their nails done, buying the newest clothes, but we don’t need it! 😂 thank you, y’all are seriously role models. Going to start applying these tips asap!

[@nicolecress]

You two are so wise and disciplined! Great practical ideas. And inspiring to see you’ve been living it out.

[@calebandabby]

Thank you so much!!

[@bjadeprinsloo]

Abby, we do probably every single thing you listed in this video! Even down to the “fun money”. We haven’t done that for a few years but every single principle you mentioned, that’s what we do! It works, and we don’t feel like we live a “lesser” life at all. We feel so blessed! And are blessed in a way to bless others ❤️ So glad you guys could share this in a fun easy way for others to learn!

[@calebandabby]

Yes that’s so true!!! I also felt content even at such a tight spot financially - you realize you don’t need as much as you think to be happy or live a fun life!

[@alyssaporter5665]

Be poor early in my marriage has been so formative for my husband and I. I have so much gratitude for that season and the skills we learned.

[@Kiayamarieee]

It’s also a blessing that in yalls relationship we get to see both sides ( a spender and saver). And how realistic yall are!

[@nadyanadya2883]

Love your duo and the topic as well! So down-to-earth

[@CameronCroghan]

This was so great! Thanks for taking the time to help others with experience you have had. This moved me to look at my soending amd talk with my husband too. I know we arent on a good track. Also really appreciate what you said about tithing! Its so important to make that part of a budget. Loved this!! Thx guys

[@calebandabby]

So glad this was helpful!! Thanks for watching 🫶

[@PollyWannaCracker21]

This video was fantastic! I LOVEEEE Dave Ramsey. He is a true American hero. It’s always nice to get a little refresher on the mindset and ways to save. I am a stay at home mom and I believe it is one of my roles to find ways to save money for our family.

[@calebandabby]

Couldn't agree more!!

[@emiborder2778]

Thanks for sharing this advice and being so vulnerable. My fiancé and I are about to get married and are so nervous for the big financial changes it brings. It is something we’ve been trying to pray about and leave it to God. So thankful for seeing you to as role models in Christ.

[@calebandabby]

You guys got this!! :) it takes a lot of communication and practice - give each other grace and hold each other accountable! Congrats on your engagement!

[@rescue4lifeAB]

Really good video. You're on a good track. Keep working hard, saving, and living a humble life...and you will retire early.

[@cari.smith2021]

What a great video! I never comment on KZbin videos, and I am a bit of a silent follower of a handful of channels, but I felt that this is such a great message for so many people to hear. My husband and I also follow Dave Ramsey and that is how we became debt free, and how freeing it is! I wish your family the best for the future!

[@calebandabby]

Thank you so much! Congrats on being debt free - that’s so life changing!!!

[@georgiastenberg1425]

Thanks for sharing this! I’m in grad school right now so my husband and I sit down and go over our budget on Google sheets every Sunday. Great tips!

[@Kiayamarieee]

These were the reminders I needed! Thank yall!🤍

[@FlannFam]

I love how real you guys are! My husband and I are budgeting hard now to prepare for in a few years when I’d like to be a stay at home mom. It can be hard to limit spending when all our other couple friends are going on elaborate vacations etc… but we know it’ll be worth it! Currently enjoying going to the thrift store on 25% day and it’s so exciting to see how many awesome items you can get for under $20!

[@calebandabby]

YES!!! Thrifting has become such a thrill haha!!

[@cyndiopfar6932]

I'm so proud of you as a young couple for living this way. My husband and I were dumb the first half of our marriage. We did Dave Ramsey in 2007 and it was life changing. No debt. House is paid off. In 2018 we paid for my husband's 2018 Ford F150 King Ranch and now we have saved 100K to buy me a Lexus. Now we build wealth and give, give and give.

[@calebandabby]

Wow thanks for sharing!! Life changing!!!

[@marykatherinenichols6449]

LOVE this video! Thank you so much!

[@amanda.c.ice.]

Get video! I use the Every Dollar app for budgeting and I absolutely love it!!!

[@boymom-nz.2]

Every dollar app is the way to go

[@snackslayers9540]

You guys are so cute together, and I love your channel so much!! Btw it's me Kaylee ❤

[@Vegas052209]

I love your handle! I too am a snack slayer 🍿 🍭

[@suzysmith3776]

❤ this video, it is so needed. Thank you!!

[@calebandabby]

Glad it was helpful!!

[@MimaMe_23]

loved this video. God bless yall. thank you❤

[@_jmg]

My husband and I used every dollar by Dave Ramsey. I think people are afraid to do a budget because they think they can’t spend at all but remember, you make your own budget haha. Nobody else does it for you.

[@_jmg]

We are anti carpayment too, I bought my first car for $2000 a few years ago (I’m only 25) still have it! Assets only!!

[@calebandabby]

Yes exactly haha such a good point!!

[@Ella-nk3ui]

Another thing is that you CAN go watch the game with your friends, and just get a water! Maybe split an appetizer with someone and put that $5 under your fun money. You don’t have to say no to places that cost money but just don’t spend the money while you are there and you can still be a part of the fun:)

[@calebandabby]

SO true!!! Thanks for sharing!

[@Eliza_sun]

Caleb Hammer is pretty funny and an excellent financial resource for the younger generation that may not appreciate Dave Ramsey.

[@bayleenitafan2013]

Amen, sharing about tithing!! So true

[@LeahPrice-sj5kb]

What tv antenna did you get? I’m looking to get one and not sure what to choose.😊

[@oliviacunningham7633]

We love Dave Ramsey! He is the reason we were able to buy a house in our first year of marriage. 100% would recommend!

[@calebandabby]

That is awesome!!!

[@fergsfamilyadventures]

thanks for the tips! You guys are so cute ❤

[@ashleyp4513]

Good tips! I'm always surprised when I hear how much people spend on cell phone services. People just need to do the research a lot of times. When people hear that my husband and I only pay $20 a month for cell phone service - they are shocked.

[@mitchie9630]

Which carrier do you guys use??

[@ashleyp4513]

​@@mitchie9630Red Pocket.

[@ashleyp4513]

​@@mitchie9630We use Red Pocket. Been using it for a few years and has been great!

[@ashleyp4513]

​@@mitchie9630My reply to you keeps disappearing or getting deleted. Not sure if that's on purpose or not. Red Pocket Mobile.

[@cocacolalada]

How do You budget when you can’t pay your fixed expenses

[@kde2610]

Great info!! Thank y'all so mucvh

[@KrazyDazie]

I LOVED this video!! Please do more of these kinds of videos! My husband and I are in the same spot of trying to save and budget. I have lost a lot of interest in KZbinrs who have huge houses and travel all the time. It's just not relatable and it is so refreshing to watch someone who is! 🎉

[@TLC90179]

Thank you for this video!!

[@shainasmith9923]

lots of wisdom!!

[@pattibaranek]

“Jesus is the Everlasting Father with compassion for His children. He pities his children and shelters them with His love (Psalm 103:13). His mercy endures forever and you can anticipate his forgiveness with joy. Above all, these benefits are yours to enjoy for eternity, if only you surrender your life to Him” WHOA THATS GOOD! THANK YOU JESUS!

[@amberhill2588]

Anything over $100 we talk about. Baby step 6 on track to pay the house off in about 11 years

[@melodylistoe9143]

Seed Time podcast and youtube channel is amazing for financial tips with a Christian perspective!

[@calebandabby]

Thanks for sharing!!!

[@jessicavega334]

Love this!

[@barbarasimon5756]

Where do you live? Try living in the Washington, DC area and do this. Good luck to you.

[@calebandabby]

Yeah definitely would be tough! We are in Phoenix, which was still hard but we were able to make it work thankfully!

[@deannanewman-um6km]

Love this ❤

[@sarahluisaa]

Thank you for this video! Silly question, what is a diversified investing account? Is it just a savings account?

[@tarazanni9370]

An account that invests your money for you and grows over time! If you go to your local bank and speak with someone (it’s free) they can get you set up with one or you can enroll online! Vanguard is a popular one.

[@LeslyKiesel]

Highly recommend watching Ramit Sethi! He has very informative KZbin videos, his podcast, and his book is great.

[@calebandabby]

I'll check it out! Thanks for the tip!

[@joanatelles1967]

37k a year ?

[@unapologeticallyromel7096]

Good video 👍

[@elizabethcieslak4491]

Any way you can talk more specifics on investing ? My husband and I have a savings account in our regular bank (bank of America) and it earns literally nothing overtime. What does investing mean? What kind of savings? Which is the best kind? Etc

[@Dennisthe-g3m]

my goodness , y'all kids are gonna be so good looking.. you guys might be able to never have a boring sex life

[@jennyhammond9261]

Great video!

[@calebandabby]

Thank you!!

[@brat32179]

Saying to never finance a car is something I don't agree with. Let's say you've saved up the $30k to buy a car outright. If you put that 30k into a high interest savings account, you should be making 5-8% interest (or more). A car loan should come in around 3-4% interest. While it FEELS different to be making a monthly payment, you're at a net loss to pull money from savings to buy a car outright. Obviously everyone is going to do whatever they feel is most comfortable to them, there's nothing wrong with that. However, there's also a different mindset if you're trying to build longer term wealth, you have to look beyond this month or even this year.

[@Lauren-fp3dh]

I think the problem is, people don’t have the $30k and they buy a car they can’t afford. If Caleb & Abby financed a $30k car while making $37k a year, the payments would be stifling. Plus the car is a depreciating asset, meaning as you’re paying interest on the car, it’s becoming worth less & less overtime.

[@Lauren-fp3dh]

To be clear, I think there’s a time when people may need to finance a car, for example, if you’re just getting your first job and don’t have one, but people end up buying cars because they can afford the monthly payment but not the car most of the time

[@magnoliablooms]

What bank has above 5% interest rates? I actually want to know. You'd make more money putting 20K in the high interest savings and pay cash for a 10K car.

[@Myhusbandrenamedmyhandle]

Buying a 60k car when you don't have the money for it is not doing to make you wealthy. The moment you drive away with it, it goes down in value. I'd rather buy a cash car that is within what I can afford than struggle making payments I can't afford.

[@cari.smith2021]

I think the idea of buying a car with cash instead of investing that money is that not only does it encourage you to find a cheaper car within your budget (definitely not a brand new one), but the mental end of not having a car payment is amazing. I’ve done both… I’ve had a car loans, and I’ve bought a car outright. The latter is so much better in my opinion, and all the money I save month to month not paying off a car loan can go towards investments. Also, as a bonus, if you don’t have a car loan, and you run into a tight financial situation (such as losing a job) you won’t need to worry about losing your car. It is safe with you, you may just need to temporarily pause investments.

[@teddyhamer5898]

😇

[@katienovak3249]

Refreshing video except your money is your money. I don’t think God requires you to give it back to him. You can give time etc like Abby said .

[@Tania_78]

*money-saving tips. It needs to be hyphenated.

[@LouiseEndebrock]

Great video!

[@isabeltovar5282]

Love this!!