I Give Up | Financial Audit

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Chapters:
00:00 Job and income
05:20 These are going to STACK UP!
09:38 Helium Mobile
12:11 How does this make sense?
16:32 I need to leave…
23:20 This car is tanking you!
28:00 No it’s not the same!
32:36 Acorns
33:00 Wow this sucks…
38:39 Let me explain this to you!
44:01 WE MADE IT!
48:10 Here’s what you’re actually going to do
56:00 Get a grip on your spending!
59:27 You need a budget
1:05:35 See this is what I’m talking about
1:11:05 Hammer Financial Score
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▶Sponsorship and business inquiries: [e-mail]
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These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
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▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.
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[@CalebHammer]

Wild episodes come with extra wild post shows: kzbin.info/door/Le_q9axMaeTbjN0hy1Z9xAjoin

[@lollerich]

Please, please, please! Please either stop hitting the table or please use mics that are not in contact with the table. Please, please, please!

[@AnalyticalMenace]

Ah, fuck! Here we go.

[@wurdnurd1]

​@@voidzero7080yikes dude, that was harsh

[@voidzero7080]

@@wurdnurd1 need tissues?

[@wurdnurd1]

@@voidzero7080 I'm solid, thanks for asking!

[@OutlierConcepts]

"Is that hourly or salary" "Its biweekly" * Puts seatbelt on *

[@valo4007]

Exactly what I thought too

[@bumblebower1529]

That drove me nuts

[@DudeNamedRed]

Perfect summation of the episode so far.

[@stuff1784]

🤣🤣🤣

[@Hasansaid51]

🤣🤣🤣🤣🤣🤣 this made me laugh so hard

[@ThePitchBlackAlchemist]

I don't think people get defensive just because they are on the show, they get defensive because they have justified the purchases to themselves and get annoyed when someone tells them its unjustifiable.

[@maureenviola]

EXACTLY!!!!!

[@alex1431999]

They might also get defensive because Caleb's approach is very offensive, so being defensive is a natural reaction. People tend to dig in their heels when they get attacked.

[@Poopiepies]

I feel like it has to do with feeling entitled to treating themselves. Like this girl thinks she needs to go to concerts and treat herself while in crippling debt

[@luiscuba9188]

@@alex1431999well you go to caleb hammer to get that boomer type attitude but without the lead thoughts.

[@nauscakes1868]

The good episodes where people know they did wrong seem to go so smoothly. They just accept they screwed up and take it.

[@maryjovel9873]

“So then my trip to Italy would have to be on pause then…” GIRL WHAT

[@BaezLife]

Fr....

[@BaezLife]

She already has -$0

[@jimalvarez5042]

lmao i got to that part in the show, i was like WTFFFFFFFFFF............. Caleb's patient was tested here lol

[@oz_jones]

Girl just go to Olive Garden.

[@hannahblackburne9033]

Her: "I missed the solar eclipse " Caleb: " it didn't miss you" Bars 😂

[@offtime915]

This is the second episode where I noticed that Caleb has giggled like a lunatic. Ladies and gentlemen, we are witnessing the making of a madman. Pay off your debts or you will hear that giggling under your bed.

[@bahwickee]

If we don't laugh, we cry.

[@mikeyg831]

I'm making this canon in my next ttrpg...

[@patrickandresen4356]

👻 45:49

[@MrManfred951]

Same 😂 thats when you can tell he’s short-circuiting 😮 😆

[@talyahr3302]

32:24 Maniac laugh 😂

[@ao1996]

Qualifications to be on this show: 1) refuse to take any advice 2) claim you “understand”

[@joycef8443]

Hey, I can do this! Sign me up!

[@armondstreet3605]

You forgot be gorgeous but soy there and say mhmmm yeah mhmmm even when Caleb hasn’t even spoke yet

[@darylshriver8486]

@@armondstreet3605 is the "gorgeous" in the room with us?

[@trancendental5373]

​@@armondstreet3605Lol you replied to the wrong video but I know the lady you're talking about. Uh huh uh huh uh huh lol BEANS? that lady

[@Patson20]

If you've ever done any sort of public job (education, law enforcement), a medical job, or retail you'd know that this is common

[@airthrowDBT]

I never thought "how stable are your hours" and "are you hourly or salary" would be an impossible question for a functioning adult to answer

[@jackeroo_sundown]

You're operating with the assumption she's a functioning adult

[@reynoldswells6192]

​@jackeroo_sundown true, she seems like she's got the scatter brained thought process of a young teenager battling with adolescence

[@carolg6598]

I think the best way to describe why she was stupid for paying off student loans over other credit cards and bad debt is if every debt were a dragon. The student loans is the biggest debt dragon, but it's asleep, and all the other smaller debt dragons are awake and actively attacking her. She needs to defeat the smaller awake debt dragons while the big dragon is still asleep, so when it does wake up, she won't be fighting with the smaller ones anymore.

[@finekat296]

And your money habits are your armor and weapons (or lack there of). That is a really good way of looking at it

[@TheChilly68]

Holy shit, this is how I’m gonna look at my debts from now on 😂🤯

[@carolg6598]

@@TheChilly68 It makes defeating bad debt sound more exciting when you pretend you're fighting dragons! :)

[@youmakemehappy7]

Love this so much 🖤🐉

[@diannaclarke2758]

That's a great way to describe it.

[@meganchambers8108]

This conversation is basically like: "What do you want to eat for dinner?" "Tuesday at 4 PM." "What kind of car do you drive?" "6, maybe 6.5ish." "What do you do for a living?" "Yes, if it's raining."

[@thomasnawrot6872]

Yea for real, the answers don't make any sense. I don't think they understand what he's even saying

[@YaYaLynne]

🤣🤣🤣

[@SherJonesy]

She doesn’t listen to anything he’s saying, she seems to have an answer already in her head to what she THINKS he’s going to say and just spits it out loudly over him as he’s talking. It was insane. No listening skills at all!

[@barnabusdoyle4930]

Wow, your conversation made more sense than she did

[@ReneC110]

I just paused the video because I laughed so hard at this. This girl has zero common sense-I feel Caleb’s frustration.

[@eadybaby007]

“This conversation must be what a stroke feels like” -- I am gone 💀 💀 💀

[@TallblackchickCali]

That was my favorite 😂

[@Cuwop2]

💀💀💀💀💀💀💀

[@BigRick324]

as i am reading this comment while listen i hear him say it lmao🤣🤣

[@christophermorin5159]

😂😂😂😂

[@lockhart1895]

When did he say this 😂😂😂

[@JamesRockefeller45]

Its insane how you could be homeless with no credit and never worked in your life and be in better financial shape than most people on this show.

[@lordburgendy6108]

Hey Caleb, I've been a middle school teacher for many years. I'm very good at talking to people who are not good at listening. Here's some advice: 1) Talk slower. Especially when explaining things people might not get (e.g. the debt snowball). 2) Use visual aids. Showing numbers on a white board makes it easier for people to get instead of hearing all these numbers flying at them. 3) Explain your mentality. For example, this lady was like "It's $10 so it's not a big deal. It was just one time." Instead of yelling that it is a big deal, explain where you're coming from. Something like, "It's not that it's one time. It's that people get so deep in a hole not from hundred dollar or thousand dollar payments. They nickle and dime themselves into debt. It's the lipsticks and boba and Taco Bell over time that kill people, because it's more insidious and non-threatening, so they don’t pay attention to them."

[@AWWWDr]

This is great advice!

[@Nicktheblasian]

Using middle school tactics on a fully grown adult that went to college is unreal

[@kerblam]

Caleb needs a little bit more patience, too. No amount of slamming his hands on the desk will make his guests understand any faster why their finances are shit or have a better grasp of how numbers work. honestly, this is good advice, and I hope he saw this comment.

[@Nicktheblasian]

@@kerblam these guests need a reality check

[@kerblam]

@@Nicktheblasian yeah. they do, but from what ive seen on this channel, it's like talking to a brick wall. what kind of reality check would it take? for them to actually reach rock bottom? a repo'd car? it would be too late, but a tough lesson would be learned and they would be so unlucky if they had nobody to bail them out.

[@YaYaLynne]

She’s broke and has two more concerts lined up - She’s not going to follow a budget. Period.

[@Cheyemos]

🎯

[@displayname2198]

Comma,

[@ericar.6370]

And she’s gonna get boba and Taco Bell for both shows 😅

[@micahking4040]

She's going to be cold on them streets

[@andrew-rn9ui]

She can't even follow a diet or a gym plan, let alone a budget 😂

[@linnettealissa1]

Hot Topic Credit Card is something I could never imagine existed.

[@ForeverSongMinistries]

😂😂😂😂 I thought I was mishearing

[@chanceishere033]

as a former employee, its a sinful situation for sure- i got stressed just hearing it again

[@theezenriarinze9203]

​@@chanceishere033No way lol

[@hadleystrainge]

former HT employee here, the APR on those things is insane (like 30+% when i worked there two years ago)

[@theezenriarinze9203]

@@hadleystrainge Jesus Christ

[@rachelgrove7524]

"I got ran into a cone" is crazy

[@juliet4093]

She got ran off the road into the cones, that’s literally straight forward

[@Coop1624]

@@juliet4093 I guarantee that her lane ended and she tried to merge into someone and ran herself into the cones.

[@federal.threat]

@@Coop1624 could have also been on the receiving end. the van she mentioned merging over without looking at their blindspot, running her into some cones, you cant "guarantee" anything

[@Coop1624]

@@federal.threat Yeah totally. I just don’t believe things that she is saying because of her idiocy and ignorance to things

[@GravityTrash]

Its so weird how people come to Caleb asking for advice, and then ARGUE against the advice and refuse to listen Why ask for it in the first place????

[@MakaylaWright-xw1ch]

Right!!! She applied and then justifies every single thing he argues against

[@Dinkwadd]

Because she wants to come on the show and tell the world she’s has a BF lmfao

[@andyb2028]

She's an askhole --ask for advice and refuse to consider it

[@TheSeanzy772]

Seems like a lot of people just want the exposure. The most important thing to them is to try to slip in the name of their YT channel.

[@Dinkwadd]

I’m sure there are shows that they don’t post because there isn’t enough drama

[@fiveminutestolive]

This girl's problem is she doesn't listen. Thats why she answers the wrong questions, thats why she doesn't understand. She thinks she has a good plan and doesnt. Want. To. LISTEN.

[@Username0467]

I think she might have a disability that impacts her ability to understand. I knew how to answer these questions at 12. This is odd.

[@DevHazy]

Yes

[@welcomecreator7653]

And stoopid

[@thomashigginsmusic]

And most definitely dumb. She never matured past her teens

[@BillDaBurgerEater]

This reminds me of that episode of the Boondocks when A Pimp Named Slickback goes, did you know that 9 out of 10 b*****s suffers from some sort of hearing loss?

[@hatchetman664]

"if boba balls aren't flowing down my throat, i can't sit at a concert" Caleb you're wild for that one

[@samanthab5752]

17:10 for the boba balls flowing down her throat 🤣😂

[@Cuwop2]

He right doe

[@jessISaRicePrincess]

Boba is good though

[@brahtrumpwonbigly7309]

​@@jessISaRicePrincesscan't be good enough to put on credit.

[@isaiahmorales3847]

You haven’t seen a lot weird stuff have you? Free Isreal btw

[@sandyimageart1598]

How has she survived life this long? She seems slow without actually being slow...its going to be a hard life for this one. I wish her the best of luck

[@andrew-rn9ui]

Because she's a woman surrounded by yes-people who probably lie to her face and tell her beautiful and amazing and smart she is and she has a deluded sense of self and ego because of it 😂, happens way too often, especially with women who are overweight , modern feminism is a real treat 😂

[@youmakemehappy7]

I'm a BIT scared about her literally making cars😂😭 Hopefully she's really good at her job!

[@arsalanchishty8985]

@@youmakemehappy7have you seen all the Tesla recalls!? 😂

[@yanasto]

Every single episode goes like this: Caleb: why do you spend so much money on stupid things like restaurants, vaping, concerts, clothes, trips, etc when you have so much debt and no savings? Guest: because I can afford it Caleb: no you can’t, you’re being childish. Guest: oh… uh I guess I am mentally ill and can’t be held responsible for that. Caleb: oh ok, but you actually are responsible for that. Guest: I was going to unalive myself so if you keep holding me accountable you will feel bad and like you’re being mean. Caleb: 🙃

[@glenthompsen]

“Unalive” 💀

[@vampyrelilith]

Man I'm mentally ill and take full responsibility for my spending problems. It's bullshit when someone uses mental health to make excuses for their bad behavior.

[@coryjohnson2486]

To me, that’s a HUGE sign of pure immaturity.

[@Alitasplace]

Yup, that's their go-to. Seems like they come to the show just to justify all of those stupid decisions covering it with saying they have a mental issue and that they tried to unalive themselves. 0 empathy really.

[@cbaandsongs25]

@@Alitasplacebut how it wouldn't be a excuse? I know people who passed through that that didn't care about anything or anyone so financially it was super terrible. If I were -46k because of bad decisions and Taco Bells and now I am -3k and a lot less bad decisions I would be super happy about it, changing your life habits it's not easy

[@AdrenalineTheory]

I genuinely do not believe she has the mental capacity to fix her finances.

[@WornArsenic]

The United States education system failed us, financial education should be a must.

[@raycewiggins]

She couldn’t even wrap her mind around the snowball method. Truly hopeless.

[@NuancedSkeptic]

@@nono99136Agreed. I’m taking a free investment class being offered at a college. Granted I had to seek out this information, but the information is out there. It takes effort that many aren’t willing to do.

[@jthovey9035]

@@nono99136 The problem is, she doesnt even have the mental capacity to know that she can read a book to help her.She needs colors and shapes explained to her.

[@Ryan-ew2gv]

I honestly think she might be the stupidest guest that's ever been on here

[@sheenmccart14]

$32k car balance on a $44k annual income is INSANE

[@jessddj]

right my car is 15% of my yearly income and i feel like i'm drowing i can't imagine it being that much. $600 a month is insane for a toyota

[@fatlindjashari7342]

Welcome to America 🇺🇸

[@melissam7067]

new car loans seem to be an instrument for the poor to further impoverish themselves.

[@plamoretti673]

my bf has a 67k balance loan on a 42k income

[@user-ww8zb1qp5d]

I make way less than that and pay 470 a month lmao fuck it I still make the payments and have a reliable car that's increasing my credit and I'm still able to save every month u just have to be smart with ur money for it to be worth it

[@bollorice7177]

I cant believe Caleb doesnt take breaks during this show. I would have an aneurysm

[@debel5753]

21:50 “Is your name Patrick Star?” “Yes” “So this is your wallet?” “No” Idk why but that convo reminded me of that scene from SpongeBob 😂

[@oz_jones]

"But this is is your ID?" "Yes" "So this IS your wallet?" "No."

[@kristinageorge2944]

I’m frightened by her lack of comprehension skills. I’m scared for her.

[@Poopiepies]

Bro how did she make it to college

[@ashleyhuddleston1409]

I do think part of it is a language barrier, it seems like Spanish might be her first language or the language she uses more often. But ya she is not comprehending things fully

[@juanpacheco404]

@@ashleyhuddleston1409I don’t think the language barrier is the problem here. I myself don’t speak enough English to be considered totally fluent but I am able to understand and process Caleb’s questions. I believe she was just nervous as hell because I noticed she said a couple words in Spanish which also happens to me when I’m talking with someone in a more formal setting.

[@thatsharu]

Yeah it was like two different conversations. Drove me nuts to listen to 😅

[@wizzyno1566]

​@@Poopiepiesbecause college is there to milk idiots not to educate people.

[@gogovideo10]

"I do pay my cards on time, that's the reason why I'm overdrafting" We have a saying for this where I'm from, It's called "robbing Peter to pay Paul."

[@shawcole142]

I might have to throw that in my quote book

[@louismccomack9524]

Yup that’s my job sites motto lol

[@beereaters]

I get rub Peter to spray Paul. I hate my job.

[@simonh7954]

I have a saying for that… Stupid obliviousness!

[@CrystalKat]

37:11 doesn’t understand anything “It’s a WANT!”

[@kaylaallan3372]

As soon as I heard 21 pilots and Melanie Martinez everything made sense

[@doomngloom96]

Lmfao exactly 💀

[@donovanzamora4492]

I wish I could watch the post show but Caleb told me I can't support creators if my finances aren't good

[@secondsea2]

lol saaaame

[@lauravogt9380]

I love this comment 😂

[@katelyn8444]

Same 😅

[@1124rena]

My fiancé doesn’t watch the show but I talk about it so much, whenever we go to the gas station he’s like don’t audit my taquitos please 😂

[@l-train7876]

🤣

[@maureenviola]

😂😂😂

[@cchat6262]

New shirt idea!!

[@ladybirdehrmantraut1245]

Hahahahahhaha

[@itskelohh8173]

Unfunny.

[@crosoccer1]

I hate leaving negative comments but this girl is fluent in yappinese

[@lindajohnson.]

Agree!😢

[@stuff1784]

🤣🤣

[@NoFilterHuh]

@@CrackerBarrelkid you beat me to it lol

[@DevHazy]

Worse

[@roxys744]

No, she is fluent in stupidity!

[@tommybrowngoalkeeping1327]

Saying "I'm Sorry" after every mistake is weaponized incompetence and such a cop-out.

[@jtg2525]

Caleb had a stroke. I had a stroke. We all had a stroke .

[@winninghands8549]

This comment killed me fr

[@cupcak3ninja209]

💯 I came here to say this and you beat me to it haha

[@Wongo150]

I’ve been working 72-80 hours weekly to pay off 27k debt and after 8 months I am one month away from being done! Keep pushing people. There is a way out you just have to want it bad enough.

[@rorycolgan]

That's awesome. Congratulations to you

[@CommanderReplay]

Good job. The feeling on the other side is amazing.

[@nerored6235]

Sweet job

[@bestwesterner]

Damn great job

[@Jakes5.7]

That’s admirable. I only work 40 hours a week I couldn’t imagine

[@reillysmith1947]

It’s like she just came out of her room for the first time in 30 years and had no clue what was going on

[@lace312]

The lights are on but nobody’s home

[@ParasitikOne]

@@lace312are you sure the lights are even on?

[@GBR9794]

@@ParasitikOne nah, just the tiny tiny LED light

[@iconc58]

😂😂😂😂😂😂

[@pocketoniofficial]

There is no saving her. Her prpblem is that she can never be the problem, she always has to be the victim. She was so damn dumb that she couldnt even understand that her desire to give gifts was a want and not a need. When she FINALLY understood that, she came up with blaming Caleb for his "wording" of the explanation when he even said she "wants to give gifts to see the expression on her friends faces". Sorry everyone but this girl is just dumb. I dont think you can save her.

[@amn1088]

She could be saved probably, but no one will want to. In some sense I have to believe her parents absolutely failed her in so many ways. So she needs someone to basically reparent her and undo all the damage that was done. No one is going to want to do that job,

[@chandlermars2502]

People talking over me every time I try to talk is one of my biggest pet peeves ever. Most of the time if it happens 3 times in a row, I just walk away and stop trying to converse with the person. Lol

[@JohnNathanShopper]

“You’re gonna send me to my grave early!” Caleb Hammer is officially a Filipino mom.

[@Dr.ZoidbergPhD]

Mexican too!

[@aurorat7633]

Does he has that heritage? Those words don’t come out of nowhere 😂

[@AgaKirchner]

Moms in Poland say the same thing 😂

[@Dr.ZoidbergPhD]

@@AgaKirchner 🇺🇸 🤝 🇵🇱

[@carmelmcdonagh1027]

Irish too 🇮🇪 😂

[@kylehenkel]

The “play the clip!” is a very nice add-on to the show 👌🏼

[@MaryGourd]

I found this channel less than 24 hours ago. I've watched 8 episodes (I'm retired). I've had multiple panic attacks 🙃, triple checked every single financial and credit card account I have (yup, still paid off and money still there). Lost my appetite, cleaned my house and I'm in this rabbit hole deep!!! Our education system is fucked! Other than a odd older person, every young person on here isn't just ignorant they're stupid! Provide a dictionary for each of them and thanks for pushing me to make sure every young person I know will know about your channel! Holy shit 😳

[@lynneglowacki7934]

I’ve been making my teenagers watch it. They actually did take Personal Finance in school but I’m making them watch anyway.

[@NorsePhoenix]

I sincerely hope for the best for this poor soul. But, I don't think her lights are on upstairs, and the cobwebs are building quicker than her debt. Congrats to Caleb for surviving this episode, I would have imploded trying to talk with this person.

[@isobelsmith9679]

"What do you do if your checking account is low?" YOU DON'T BUY IT. YOU RAN OUT OF TOKENS. YOU HAVE TO STOP SPENDING. my GOD the mindset people have around credit....

[@saltyflour]

Literally this!! you know on a video game where you want to buy an item but you don’t have enough coins so you have to just go through endless boss fights?? That’s life too! “Insufficient funds” means you have to go do the mundane thing!

[@valinrandall9090]

@@saltyflourthis mindset is poisoned given most people just play mobile games where you can almost always just buy your way into more playtime or a continue, if that gives any perspective

[@saltyflour]

@@valinrandall9090 pay to play has ruined our society in more ways than one

[@qin714]

people need to realize that the amount gave by the credit card IS NOT YOUR MONEY!!! Manage your spending based on checking account 😵😵

[@alexisdawnx]

I wish he would have said this instead.

[@OregonLotek]

CALEB! Found you back in December and you changed my life. I just made my last payment on my $4,000 credit card debt. Thank you so much man!

[@CalebHammer]

Great job!

[@amyomeara2515]

So proud of you - well done!

[@OregonLotek]

@@amyomeara2515 Thank you mucho!

[@quirks3533]

Dude yes!! Now how's that emergency fund?

[@chrisfrombp]

We’ll done. Keep it up ese

[@dymonmein]

39:31 she says ONE TIME “it’s for my job” while Caleb’s talking, and when he misses it she like “I literally repeated it 3x” - she only knows how to parrot verbal behaviors. The ones before (probably learned from mom) weren’t working, so she’s now trying out Caleb’s. He was complaining about having to repeat, that was effective in getting her to listen, boom she’s gonna do it, even though she didn’t actually repeat anything. She’s like some weird adult-sized baby, that’s what babies do.

[@ShadeNocturne]

I was WAITING for someone else to notice that, omfg thank you!!

[@MsAwesome6814]

Also she mumbled it, she whisper talks like a kid with marbles in their mouth, I wouldn’t be able to understand her.

[@twowheelmotoring]

“Trip to Italy….” Kill me, I’ve got 6 figures banked and I won’t even go on a trip that big 😂

[@Utgarman]

Trips can be surprisingly cheap if you do them well. I went to London for 10 days, spent EXCESSIVELY and my grand total was still less than 4k including flights and airbnb

[@twowheelmotoring]

4k would barely get me return flights from Australia to London. @@Utgarman

[@Dudestoryofmylife]

Agreed the older I get the more I appreciate my father‘s investment into our family. the amount of admiration I have for people who act as sole providers🤍 He really treated our family so well.

[@mb3938]

@@Utgarman nobody cares 😂

[@trustbutverifymedia8470]

The back and forth on the difference between “Wanting” and “Liking” to give gifts was top notch 😂

[@kennedyhogan9484]

that was incredibly frustrating to watch lol

[@napoleon1992]

It helps explain why she is in the situation she currently finds herself.

[@Draggonny]

I get why she was confused through. She's thinking "If I buy my friend a bunch of flowers it's not because I want a bunch of flowers". Caleb explained it well. We want to do nice things for people because it makes us feel good inside. We don't want the present, we want the feelings.

[@TheAkenno]

I rage quit at “So then my trip to Italy will have to be on pause.”

[@katherinekent3124]

OMGGGG when she said that😮😂

[@nauscakes1868]

oh my lord, I didn't make it that far, I had to pause. oh my.. That speed bump is scary!

[@joycef8443]

What? I haven’t gotten to that point. She has real problems and will until she can just stop spending. I cannot imagine her life.

[@andriab8517]

People come on this show with the hopes Caleb will look at their financials & says "Wow, idk how it's possible, but you're not at fault for any of your debts. You're the one & only person who budgets in every single way I can imagine & still in debt. You're doing everything right, I don't know how I can help you"

[@marrrrrrrrrrrrry279]

Queen of gaslighting, this is such a hard watch. Can’t imagine dealing with this in person.

[@cmw83d]

is him calling someone "buddy" his nice way of saying "hey stupid"? I think it is and I like it.

[@Thaxannadrote]

The west coast (and potentially other places) uses "Buddy" in a slightly derogatory way while the midwest it's like calling someone "dude" or "bro". At least according to the 2 friends I have from the midwest and my experience growing up in the PNW.

[@Cuwop2]

To me ya, but depends on the person. I think caleb uses it like dude

[@mckaylalucas3620]

I think you hit it dead on; "buddy" sounds nicer that stupid, just like "bless your heart" sounds better than "man, you're a dummy." I live on the East coast, and people use "buddy" as either a friendly way of addressing someone, or as a more "polite" way to call someone a jacka** or a dumba**. Fun fact- the term "pal" (word typically used to represent a friend) is used in the area where I'm from to insult someone, standing for "Personal A** Licker." 🤣

[@biccboi4028]

I’d say it’s similar to us Aussies calling you mate 😎

[@trujillo71921]

​@@Thaxannadrote yea im in the Midwest and buddy is used as "bro" or "dude" and things like that.

[@shanedejesus7145]

As soon as she said 44k thousand I knew this was going to be a good one

[@macglitter26]

I was waiting for this comment 😂 then didn’t know hourly or salary… or stable hours…..

[@UpChuckCanuck]

$44k is livable if you are careful. You couldn't live well but you could get by if you cut out most luxury items and bad habits

[@Gabriel-ci8ex]

@@UpChuckCanuckthis is my exact income and you’re right.

[@mackie-jw7dm]

Yeah, she isn’t the brightest, is she 💀

[@jacksonsmith5490]

When I was making 44, I was still able to go out to eat and put aside 500/mo because I’ve always been debt free. Minimize rent, minimize car and you can save 99% of the time.

[@Sickkid1313]

54:56 as someone with severe mental illness as well as having had tried to off myself in the past, There is no reason to bring it up in this conversation. Saying you were "in a bad period for a while and made bad choices" gets the same point across with way more accountability. Sure, it's horribly sad, and no one should go through that. But this is literally a financial audit. Not a therapy sesh. So yeah, it REALLLY feels like a bit of a defensive play for sympathy

[@alleyernst7666]

As a therapist- I'm AMAZED at how often these audits can reflect actual sessions 😅 Not the time or place!

[@hannahtarantole2312]

The bit where she said she gives expensive gifts and he perked up and said that that is actually a want.. that really got me. I love to give great gifts and never think about the cost and how it affects my life. Just for the look on their faces for a second. Or for them to like me more.

[@dtulip58]

That’s wild

[@gh0rochi363]

Hopefully you calm that down so that you don't have to deal with the negatives

[@mark-anthonyfernandez1215]

Her common sense is wild. She's so confident when answering Caleb's answer, when majority of the time her answers are unrelated or puts her in a worse situation, yet she doesn't understand the negative impact on her behaviours. Her mindset is off the charts.

[@sarielgrace]

Less common sense, more like delusion. Common Sense implies that a complete stranger would think the way she thinks.

[@BenChieeal]

She’s trying to preemptively justify her poor judgment. She knows what he’s getting at and she knows she’s being stupid with her money, but she doesn’t want to admit it.

[@IbrahimMuhammad_114]

Mindset? What mind?

[@SmokedGaming_Official]

She doesn't have common sense

[@fber5591]

Another one suffering from single mom issues

[@bigk3608]

I think Caleb needs to present Maslow’s hierarchy of needs to the guests when they conflate wants with needs

[@yvonnewaterman9349]

Please!!

[@bradhaines3142]

bruh they cant comprehend bills i dont think they can comprehend that

[@Funkybassuk]

This woman keeps saying she wanted things though - so I don’t think that would even help

[@triswilsful]

Where do boba and concert tickets come up on Maslow's hierarchy of needs?

[@tophplays6154]

@@bradhaines3142it’s really not hard to understand you can find diagrams and it’s just a triangle broken into sections. I forgot each one of them now but it’s easy to comprehend

[@tatsukisan]

I sure hope Caleb has a Cardiologist because I personally need one after this episode. Blood pressure through the roof.

[@taytay4743]

As someone who’s just graduated college, I’m glad that Caleb’s horrified me into working more and not making frivolous purchases 😅 turns out, yes, that dunkin coffee and that takeout food affects you A LOT

[@KresnikOSRS]

My IQ dropped a few points listening to this girl try to go through her mental gymnastics. I need a nap. You were not kidding about this being a Wild episode in your community post. I hope you and the rest of the team have a well deserved weekend

[@icedawggg]

For real I would have been getting so mad at this women. I don’t know how Caleb does it 😭

[@pinkisforpimps]

She's mentally ill

[@EmilyRoadhouse]

Also just how many times she interrupted him, I started to feel irritated and I’m not in the conversation! Props to him for sitting there and staying the course, I would have had to walk out in the first 15 minutes

[@crabsuegen902]

She’s clearly either a little slow or is just really really REALLY bad at listening and has conversations in her head and just hears a couple of words you say and goes off that

[@30yearsoldiam1]

Or not likely anxiety from being on a show. Your goofy either/or scenario is not something a bright person would write🤔

[@deirdrekiely6187]

She's slow.

[@giovannizanoni6353]

She is clearly slow

[@emmanuelsalcedojackez7626]

Both lol

[@Dcdc956]

Def slow

[@TheApatheticGuy]

People like that girl are why they have to print instructions on shampoo bottles.

[@cowboytwink]

Caleb, I respect you so much. This episode took me to a very dark place. I considered shutting it off multiple times because I felt stressed out by her forced baby voice, her intentionally childish hand gestures, her incessant interrupting, and her ridiculous justifications of whimsies and impulse buys. “I have two more concerts coming up 😋” “It’s okay though because I used Quad Pay 😌” It’s almost too much to handle. And for the record, I completely agree with what you said about sensitive people. I would have used the same language if I’d been seated across from her and trying to help her fix this mess.

[@xerafenix]

Being interrupted is already a pet peeve of mine I didn't think I could feel sympathetic pet peeves. I'm just yelling at my phone "shut up" a million times a second.

[@marrrrrrrrrrrrry279]

Same this is such a hard watch for me. At least it makes me feel 1000x less stupid

[@qin714]

second that 😂

[@Msmiyagii]

“Can I explain why” I’d yell at my phone NOOO.

[@M_SC]

Conversational Style vary. I enjoy a quick exchange

[@poms-eyeview2453]

Yes, god yes, she needs to shut up and listen to

[@aplden570]

This is frustrating because most of what she tried to explain doesn't make any sense -- not just from a financial standpoint, but from a "you are not communicating anything" standpoint.

[@LilymcSummer]

Proper use of language is a highly undervalued skill.

[@tinypeanuts]

I about die every time I hear these people messing up common idioms. Someone needs to correct them but like nicely I guess.

[@XFizzlepop-Berrytwist]

I think Caleb also was getting frustrated though, from her not understanding some things, which confused her more, and Caleb was unable to explain things clearly through the frustration.

[@BillDaBurgerEater]

from a "you are not on planet earth" perspective"

[@hydroxide5507]

bonehead syndrome

[@Nicktheblasian]

She wants someone to erase her problems, she doesn’t want to correct them

[@harrisonwintergreen1147]

She's 26 but has the comprehension of an 8 year old.

[@beneachus4901]

I’m getting really tired of the trolls on the show. This girl doesn’t want to get her finances in order, She wants to be on KZbin

[@pensandshakers]

Yeah, she's a clout chaser 100%.

[@victoriabellini6314]

I dont even think she knows what she wants

[@jordanhebert7240]

I have wondered that on a few episodes like why even come on the show 😅

[@deirdrekiely6187]

​@@jordanhebert7240 I wonder why Caleb has them on or doesn't screen them better. Oh yeah, he likes the views that come from outrageous (sh*t) content. Show me the $$$$.

[@mrspoido]

She's gloating about going to more concerts as if Caleb is going to congratulate her. She's mentally and emotionally a tween. Should she be making cars??

[@tcroosevelt]

She really fought on literally every talking point. That's insane

[@secondsea2]

Lol reading this as I hit 42:23

[@nopenoperson7192]

This is one of those guest that make you go “good luck” and call it a day.

[@halion4487]

This is probably the worst lack of accountability I’ve ever seen. Theres not a single thing here that was her fault, according to her. She’s providing a justification for everything, but then refusing to acknowledge that some of those things are problems regardless of a justification.

[@MASIveIndustries]

Her brain isn’t computing what he is saying. That is exactly what is going on here. Just the argument for 20 minutes of him saying you can take all extra payments and put them toward the smallest debt payment. To her saying “then how will I pay off this debt”

[@qin714]

yeah, and her being defensive/justifying her purchases doesn't help either. idk why she sign up for this if she doesn't want help. it's like when your house is on fire, then telling the fire fighter that they need to save the furnitures without putting out the fire first.

[@ParasitikOne]

@@qin714more like telling the firemen to start off by dousing your neighbors house that isn’t on fire.

[@holden_tld]

@@ParasitikOne they actually do do that.

[@ParasitikOne]

@@holden_tld they do it if there is a chance of it catching/prevent the spread to other nearby structures but I was speaking more of the context of a minor fire not a fully engulfed house fire.

[@ko2qx]

she's truly just brainless

[@aleciacogan7601]

I got my mom to start watching and she’s already started saying things like “only if Caleb approves it” when she wants to get something 😂 but it’s helping make her aware!

[@LGreg307]

That's really cute!

[@saramihalko412]

I got my mom to watch it too!! She came home bashing Starbucks and made herself a cup of coffee at home lol

[@LillieManecke-7]

Omg I do this everytime I go to the store. I love it!!

[@talyahr3302]

I introduced my little brother to Caleb so he can get a little Caleb in his head as well ☺️ He's 19 so he's young and can still avoid mistakes.

[@DevHazy]

Omg ❤❤❤❤🎉🎉🎉🎉

[@bridgettestanfield8255]

"It cracked because of the heat" i guarantee she had a rock chip that broke out due to the heat.

[@DMort22]

Well heat doesn't crack glass so.....

[@maddielee4217]

@@DMort22 she probably had a chip that became a crack, that can happen in extreme heats. Though to be fair, the only place I’ve seen this happen is Arizona. I had a chip in my windshield, went to Panera Bread, and came out 45 minutes later with a big ass crack in my windshield because I didn’t crack my windows and it was 106 degrees. When I lived in FL, and whenever AZ is cooler, this doesn’t happen. So idk how common it is in TX

[@qweasrdf]

It's like each sentence she says fires an emotional and financial bullet directly into Caleb's heart.

[@Leablak]

"Did you eat before or after the concert?" "Yes" 😅😂

[@raulw858]

Girl we could tel it was both lmao

[@Dinkwadd]

She looks like she has eating enough for a life time

[@zebageba]

And during.

[@giantpune]

This is who put Caleb's Tesla together. And he thinks its gonna last 300k miles.

[@kara8911]

😂

[@brookescanlon5888]

😂😂😂😂

[@daniellemarino1410]

One of my friends was an engineer for Tesla, he told me to never buy one! 😅

[@arnimellner3357]

best comment

[@wizzyno1566]

​@@daniellemarino1410of course this happened...😂

[@ThePotentStyle]

So this is why they put labels on products like Tide Pods saying “not to eat”

[@julieanaashely5034]

Yes yes and yes 😂😂😂

[@jimalvarez5042]

that's so important to hear, "You're not taking advantage of Credit, it's taking advantage of you" . thank you Caleb your videos help me stay on track and realize the common sense . the yelling helps me cause i feel you're yelling at me and i need it for motivation and hearing it loud and clear!!

[@saragarcia2324]

Former teacher, current instructional coach here! I had some suggestions (feel totally free to use or ignore them) to help with some aspects of the show. 1. Visual aids! Mainly, some definitions (maybe some graphs) that explain some basic concepts you talk about. I think it's pretty apparent some guests don't understand certain basic concepts like "afford", "budget", "credit card person", etc. Having some objective definitions on the table makes it easier to bring them back to the conversation when they get defensive/argumentative. 2. Stating an Objective! Starting the conversation with the Hammer Score is already a great move. I think giving the guests (and yourself) a chance to state the goals of the audit might make help get the in the mind frame of "us against the problem" instead of "Caleb against me". 3. Behavioral Economics Basics! I think leveraging some terms from Behavioral Economics could really help your guests understand some of their behaviors around money more objectively. The biggest ones I can think of based on what I've watched are "Sunk Cost Fallacy", "Decoy Effect" and "Optimism Bias". Mostly speaking up because I have heard you state the purpose of the show is to help 1) the individuals who come on improve their situation and 2) the viewers increase their financial expertise. Hope some of this is helpful!

[@jay8992]

As an educator I thought the same LOL

[@curiositykilledthekat]

definitely agree on the visual aids! i think having a standard definition come up the first time a phrase is mentioned each video along with some tips would be great for folks watching

[@PinkertonDanPie]

OO love this

[@saraashkir5793]

I think in the beginning of this channel he would explain a bit more (not visually). But as time has gone on, I feel that Caleb has been so entrenched in budget speak, that he cant pull himself into a mindset where “youre not a credit card person” needs to be explained in detail. Not necessarily his fault, but with a lot of guests he needs to break down a lot more of these statements and he doesn’t realize it at times because the guests dont know how to ask the questions

[@maddylevine7861]

Absolutely agree, and great job laying out this technique

[@sarahlindell9240]

Paid of my car this week, after a few months of watching and now working on my student debt, thanks Caleb!!!

[@TheFireGiver]

Stay the course. You've got this.

[@Kirit034]

Getting rid of debt feels liberating

[@lollol-vg3os]

paid off my car 2 days ago paid it off in 15 months congrats

[@sarahlindell9240]

@@lollol-vg3os congrats to you too!!!

[@ashleykathryn9038]

Awesome job!

[@enamlennahc1701]

I can’t even imagine how bad her mother gaslights her if this is how she acts. Caleb, when someone interrupts as much as her, I think you need to call the quits on the episode tbh. She very clearly isn’t comprehending anything you’re saying because she’s just waiting for her turn to talk.

[@hillhaviland4319]

This is exactly the brain capacity I would expect from an adult with a hot topic credit card.

[@TeganChambon]

“My method is working, the only reason it’s not is because I keep spending” WHAT???!!! I’m genuinely perplexed as to why she came on the show

[@JandCanO]

Caleb, I think a good idea would be a whiteboard you can use to explain some basics to guests. Chart out the snowball method and show them how it's the best method. I think some guests are more clueless than you think about some things

[@madddoll8685]

This. Also, some people are visual learners, so having things explained to them, especially when it comes to math/numbers (people have learning disabilities they aren't even aware of sometimes). It's not that they are being imbeciles (not all of them anyway) it's that the words you are saying literally don't compute.

[@dorlisastjean4072]

We know some people are visual learners, but the problem is not listening. If people just learn how to listen more, then we can actually get somewhere.

[@lizzyblitz07]

​@@dorlisastjean4072 it seems like many of these guests don't understand interest and what APR means. He needs to open with that explanation, showing them exactly how much $ that debt will be year over year for at least 5 years. If you don't understand (or accept) what that actually looks like it's easier to brush it off. Being faced with it is different

[@ladyanntheog]

​@@lizzyblitz07 thank you. I used to fail repeatedly paying snow ball method due to the higher interest cards with higher debts continuing to grow. Sometimes tackling the highest apr is much more beneficial. Or balance transferring those to low apr cards like 0% for a year to get it under control. Some cards have graphs on their statements for you to see how much you'll pay in interest over five years at minim monthly payments. Visuals are very helpful for sure, they would certainly aid some guests/viewers.

[@secondsea2]

At this point, she just needs to do the budgeting course. It has all the videos with the visual aids.

[@nessc9550]

This is the first time I’m watching his show. Definitely pushing me to take care of my finances. Thank you

[@Picklechips93]

"You are going to die under a bridge" got me 🤣. Skipped right over the Walmart floor and went straight for a bridge.

[@justin_sample]

I swear so much of what Caleb says is not understood in the slightest. “You blamed your boyfriend for the car purchase…. She says “no he’s just the reason for the purchase” …. Oh boy

[@pacman_]

It's pretty obvious during the student loan conversation that she has no idea how interest rates work and what a debt to prioritize is. I would love to see Caleb calm down in those moments and make sure they really understand. I'm pretty sure she has no idea that her one credit card is going up by $100 a month even when she spends nothing on it. This is super obvious to a lot of us, but not to her. I know the team over there does a lot to help folks outside of the show, but it hurt to watch that part when I could tell she really couldn't understand the harm she was doing.

[@devinward461]

Agreed

[@h2o2630]

That’s kind of what I was hoping he would have more on his channel

[@juicedownload7717]

Definitely, she needed a slow conversation with visuals to help her understand.

[@annarasko]

I have watched every single FA episode religiously, and I think this is the first one I legitimately couldn’t finish.

[@mrspoido]

26 with a hot topic CC. 😬 12 minutes in and she has the maturity and emotional and brain capacity of a 11 yo. This is going to be brutal.

[@Structuredmessylife]

I didn’t realize all my bullshit spending and taquitos purchases were keeping me in debt. I was definitely coping with my depression by shopping impulsively. I would justify my purchases by saying I deserve this and I was thinking of getting a new car because I have a good paying gig but since watching these videos I no longer am planning to purchase a new car, canceled several subscriptions, stopped buying lunch and coffee DAILY at work, I have been able to pay off my credit card and am 3k away from finishing paying my car. I am trying to now get rid of student loans and also just financially set myself up in the future. Thank you to you and the guests that have the guts to get read by you in front of random strangers . ✨

[@aj6797]

Congrats! It's not easy to change, especially financially, but damn it's so worth it! I'm happy for you, this new financial mentality will make your life so much better 👍🏾

[@trish1344]

That’s so awesome!!! Congratulations!! You’ve got this!!!

[@dking1362]

Wow! You have truly made some changes. You must be so proud of yourself!

[@chrisfritsch8143]

My man I'm right there with you. One day I finally added up how much I was actually spending "to go to work" lunch, redbulls and whatnot. I was sick when I found myself nickle and diming my money away. It's a huge realization but a good step in the right direction when I corrected that

[@dillonamick2524]

"Hot topic, ooh good. It explains all that. "😂 I love when Caleb says what we're all thinking!

[@katherineshaespradley3716]

You are incredible ! I don’t know how you stayed at that table.

[@giovannizanoni6353]

The 51st min is gold, that is exactly the problem we face in the future, CALEB, you need to repeat that 51st min for most of your guests. Please.

[@TheKiman2]

I'm at a loss of words in seeing how someone that went to college can't comprehend that paying off debt with 30% interest is better than trying to reduce the student debt that's deferred.

[@ChrisMusson-kv8ph]

Because they get degrees in gender studies and lesbian dance theory.

[@GortFromAltier4]

Hey Caleb, I was laid off on Monday as part of a mass layoff. Just want to say thank you to you and your channel. Before the layoff I had all debts paid and an emergency fund. Because of you, I have a cushion while I search new employment. Looking into course careers too. Again, thank you for this content it really helped me.

[@kristinperry2066]

Sorry about you getting laid off. That really sucks, but it's wonderful that you had an emergency fund. I'm paying off my last 4k in debt now

[@crazywhitegrl27]

were you laid off from tesla, perhaps?😢

[@elizabethmathes8260]

Rooting for you to find a new job ASAP

[@maddyvogel4525]

Same happened to me. Thanks to Caleb I’d been saving more than I was spending the past few months so I have a little cushion. Good luck to us getting new jobs ❤

[@GortFromAltier4]

@@crazywhitegrl27 maybe-haps

[@amn1088]

Caleb, I just want you to know these shows are a massive influence on me to teach my kids financial responsibility.

[@Sangheliosgarcia]

this show gives me hope every time I watch it, because I know I am not as bad as these people

[@stephaniepantalonie]

Same. I'm thankful that I only have and only ever will have ONE credit card

[@chocolatedaisy]

Lmao it feels like EVERY episode every guest is like "I have to eat!" and every episode Caleb has to be like "Have you heard of a sandwich?!" 😂 It's crazy how many people think they NEED to get their food out at places rather than the grocery store

[@maureenviola]

Yes that’s his they were raised

[@KrystalZhang-ir6rt]

I’m a dietitian. That is a lot of people. I have to remind people that apples exist. 😂

[@mariahsisneros7572]

My brother is the same way. He refuses to cook or even try to make a little something small (like a sandwich) because he doesn't think he'll be full. Unless it's a burger and fries, he doesn't think he'll be full off of it.

[@Qotus]

Yeah I budget in eating out, but it's a few times a month and everything else I cook from scratch. Eating out several times a week would feel crazy to me also from a health point of view.

[@reidsimonson]

She needs to lose a ton of weight for her health. Not only could she drop her food expenses in half for the volume she could also buy healthier cheaper food. It’s quite literally a win, win, win.

[@futurepolyglot9483]

The intro having the flat line audio is hilariously accurate. 😂 Caleb with receipts and instant replays.

[@amoose8439]

The heart rate monitor we've been begging for is going to end up being installed for safety reasons

[@Podzhagitel]

Garrysmod death type beat

[@talyahr3302]

The instant replay when she talked about giving money to her mom was great and very useful.

[@sacredgeek]

The comparison of this conversation to a stroke, is so the story of trying to help family. Still listening and thanks for sharimg our suffering!