Making $20,000 A Year And Spending It All On Fast Food | Financial Audit

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[@DipityDADoo]

Hey Caleb, its Colton Thanks for having me on! I look forward to having my debts paid off and coming back on for a follow up hopefully the follow-up looks a lot better than this video!

[@skidiggydiggs4529]

Best wishes on your journey. You got this! ❤

[@jennyt7612]

Am not surprised to see you thanking Caleb so promptly, you seem like a very genuine person. I agree you need to brew your coffee at home & try to cut down the cards etc. I have had to reduce my expenses now am retired & it helps that without the costs incurred when working you can make do on less. I think if you follow Caleb's advice you'll find it restrictive at first but challenging & rewarding when you manage to spend less. Wishing you all the best from Sydney, Australia

[@authenticallyallison]

I have a lot of faith in your situation! The 4 months is totally doable. Excited to see your comeback story. Take care of yourself and thank you for your service

[@magnumopossum6941]

Colton you can do this! God walks with you and you are a good soul!!! You’ve given so much of yourself for your country and you care so much for your fellow brothers and sisters, it’s time for you to focus on giving yourself the care you need now brother! Rooting and praying for you dude you got this!

[@michi8081]

You’ve got this, Colton! We’re all looking forward to seeing you back on and we’re cheering you on!

[@Allahseesall1738]

Guest: I am permanately disabled from a sydiving accident that shattered my femur in 26 places Caleb: Wow dude. You should have skydived directly onto that subscribe button and shattered that notification bell

[@Ari-do2ks]

It was the best transition

[@ibbjos08]

Tasteless- especially considering the guy was serving his country.

[@legendary_soup4454]

​@@ibbjos08that is the kind of dark humor we in the military like.

[@ladycountdown]

Maybe a bit of Asperger's or high functioning autistic?

[@DrakeG4]

@@ladycountdown Regular functioning funnybone

[@jacobroberts0902]

Caleb should find old statements and debts of his own from back when he struggled with finances, hire an actor to play "Young Caleb", and do a Financial Audit on himself.

[@ArtisanJanelle]

Yes. This!

[@lukep757]

Young Caleb like young Sheldon?

[@martinconner2836]

he did this actually, look at his new videos, he audits himself

[@noahgraves919]

Man, I don’t think any ministry/church can justify paying 19k a year to a person working 80 hour weeks

[@adamseidel9780]

It’s one of those things where you don’t really get paid what the value is, you simply get paid whatever the congregation can afford, which very often isn’t very much. It’s a calling where you accept the reality of poor income and a lot of frugality and financial leanness in exchange for a richness in spirit. Not for everybody.

[@jenniboo9441]

He might be required to make under a certain amount to keep his disability payments. If that's the case, they're probably doing it intentionally to help him

[@Youre-Welcome]

Also worth noting that jobs that cover rent/utilities/food often pay less. I'm also guessing part of the 80 is being on call or similar.

[@AelleIti]

It's sad that the church believe they can do that. The church shouldn't be allowed to pay people pennies when they literally get tax breaks. As long as the church buys and sits on undeveloped land or run down houses they don't have to pay taxes. Ministry work is appears to be worthless. You'll be giving them all your time and wasting what money you have for nothing. Honestly, you can do the same amount of good in your community without it. Some people will get mad at me but I don't care about that. I work with someone who does ministry. The church takes advantage of him and he takes advantage of others. I was born and raised Baptist but don't go to any churches. I feel disgusted listening to and watching him take advantage of someone else's kind nature. He gloats about being able to buy cars etc, but calls in every week saying his car broke down. However, his car is working fine on Fri-Sun. He claimed to have had a radiator leak but there was no fluid on the ground. He drove someone else's car around for 2 hours with a flat tire. Pretended he didn't know (the car is a 2015-2020 with TPMS). People like him irk my nerves because they're scummy.

[@themagicbread94]

@@AelleIti do you feel better now that you got that off your chest? That is absolutely not a reflection of all people in ministry. Like someone else said, ministry is not for everyone and keep in mind it is his choice to work there. Yeah, the pay sounds quite low but nobody has a gun to his head. It is pretty clear he has other reasons for working that are not monetary.

[@Bigdog5400]

I love how ever since Caleb had the "not-cannibal" on, he uses "Gas Station Taquito's" as a reference for wasting money

[@kaylingalewitz]

I love that it’s an inside joke with Caleb’s community LOL

[@drewo6388]

ha yes! It's almost like a tv show where you can pick up references from earlier shows. Good catch. "If you know, you know."

[@genocidehero9687]

Which episode is this?

[@dilosh12345]

@@genocidehero9687 If i'm not mistaken it was the "41-Year-Old Refuses To Get A Job And Grow Up" video

[@genocidehero9687]

​@@JakePicci I think that's the first one i watched in full lol. Been binging the last two weeks because of it

[@anonymity2882]

Bro I get it. I was a paramedic for over a decade but never made more than $20/hr. You gave your community the service we appreciate. Its now time to think about yourself.

[@snicka8173]

You right! The young man need to build himself up financially so in the future he can be a service to the community again.

[@connorw2706]

As an EMT I was making $13.76 an hour. Now I work 25 hours a week less and make about $30 an hour. I loved serving my community for almost 4 years, but my personal life is SO much better.

[@billybongos1337]

Our society is so broken for failing to prioritize investing in society.

[@someone-ji2zb]

@@snicka8173 Unlikely lol... vast majority of men who fall down this whole of failure never get back out of it. And it is not because it is impossible, but rather because their minds are done. They have no ambition, no responsibility other than personal survival, and that is almost never enough.

[@tear728]

​​​@@billybongos1337 it's your responsibility to invest in yourself and if EMT is not doing it, then you need to do something else

[@jjharrison4099]

Caleb should give each guest a coffee maker and a lunch bag 😂

[@andiward7068]

Better than them buying the financially draining environmentally disastrous Keurig machine.

[@jnak1729]

This is an awesome idea 😂

[@joshuafollowsJesus]

Branded! With a picture of his face on it -- and a tagline "This Is The Way" // "Remember the Audit" // "What Would Caleb Say?"

[@luvzdogz]

LOL I mean, that's not a bad idea

[@RideRedRacer]

@@andiward7068 a keurig is financially draining? Much better than spending at starbucks

[@jeremygaal9946]

Situations like this are way too common for veterans unfortunately. Bring him back on, would love to celebrate that win! Have that debt Hammered!

[@serendipityhere2029]

Yeah, my fiance went through the same thing, got out, hid in his room, and blew through any money he had. He IS lucky that I earn enough where that circumstance won't hugely affect us, but I wish he hadn't gone through it at all

[@jeremygaal9946]

@@serendipityhere2029 getting out of the military is tough for a lot of veterans. I really, really think we need to find a better way to prepare these veterans to be. With that said, happy you both were able to get through that time.

[@bigpappachungus5273]

There’s a million things I could thrash our government for but man they are some world class pieces of shit the way they’ve taken care of their veterans. Talk about ruining someones life then offering bare minimum to zero help what so ever

[@jeremygaal9946]

@SerendipityHere also, hope he's getting the care he needs. Is he registered/receiving care with the VA?

[@Joefdgtr]

4:46 - Caleb is so foreign to hearing his guests having a $5k fund he doesnt even know what to say ! 😂

[@aaronbertini9714]

Nice to see someone who owns up to their mistakes and genuinely wants help instead of justifying all of their terrible decisions.

[@TheIronChainMaster]

I feel that's why some people go on the show for specifically

[@adamseidel9780]

This is been an A plus week for that, for people with a range of past mistakes or challenges they’re recovering from but are working to face head on and move towards winning

[@leilaniz5909]

Claims to be unfit for employment so that he can work for a nonprofit...riiight

[@SnifferSock]

@leilaniz5909 if he qualifies, he qualifies. Hard to believe shattering his leg in the military wouldn't have lasting effects.

[@jimbo_dilly1675]

@@leilaniz5909 At least he tries instead of sitting around all day.

[@jonathannerz1696]

It says a lot about most people’s financial literacy when the guy with probably the lowest income still has one of the better financial situations when compared to almost everyone else that comes on here.

[@tinascetinec5650]

lowest income but also lowest living costs which means he has more money to play with than a lot of other guests on this show

[@turtleanton6539]

Yeeees🎉🎉🎉🎉

[@caleb2159]

Lifestyle creep. When you make that low of an income you have to be frugal. When you make 6-8k a month you don't really think twice about going to chipotle twice a day because in your head its only 20 bucks, I make 6k.

[@-el_bandito]

It’s 26 bucks if you get steak

[@MrMinimanmatt]

1600 a month is disgustingly low. US Government sort your shit out looking after vets that are injured in service.

[@DefaultDimension]

After binge-watching countless videos, it's becoming clear that Mental Health and Financial habits go hand in hand. Stress and anxiety caused by financial struggles can seriously impact our mental well-being and vice versa. It can easily spiral into bad situations because the person uses spending as a sort of coping mechanism.

[@loomsmcgooms824]

Spot on! Think about the term "retail therapy" too... we need to improve our physical and mental health as individuals and a civilization if we want to progress at any level. Often the symptoms show up in our personal finances, however the causes are much deeper.

[@turtleanton6539]

😊😊😊😊😅😮😮😮

[@ojames1983]

Mental health is nothing more than self-esteem. Pitiful that so many grown men and women with constant childhood self-esteem like issues (and reflect them the same way) that perpetually go on for the rest of their lives. 💀💀

[@hxj880]

So true.

[@Whatevadantewante]

exactly what I was thinking. My personal experience, I ate myself up to 316lbs anf 5000 in debt because I was trying to fill a void in a loveless relationship. Happened again years later. That's how I stumbled upon these videos. I was looking for financial pro tips that was relatable.

[@TruckingWithSteffon]

This guys leg exploded and only gets 1663 and the last vet that was on this show was getting 3900 a month for getting bullied and all he wanted to do is smoke weed because of his ptsd

[@eckankar7756]

What a sweet man. It sounds like he sells himself short. I hope he finds more value in himself and presses on to own a better life.

[@vanessapaul3913]

Yeah he has sweet soul too

[@WoodyJ98]

It’s why nice guys finish last

[@azizkash286]

Seems like a down to earth guy who wants to improve.

[@jizzwizard45]

this dude got screwed by the VA. he needs to A. file for an increase. B. use the GI bill for some sort of continuing education C. realize that being pious, while admiral, doesnt pay the bills. At the rate he's saying he's getting paid, hes not permanent and total. He will get reevaluated every 3-5 years, they can and will lower his rating, therefore his pay. This man needs serious financial help.

[@smartandsimpleSNS]

1.6k doesnt seem like enough comp for literally falling from the sky

[@summersalix]

And hence the issue w ssdi. They pay u not enough to sustain urself, and then if u can work pt, they don't allow u to make enough to get by either. Thus, stuck

[@jizzwizard45]

@@smartandsimpleSNS it is not, which is why there is literally an entire profession based around getting veterans paid fairly for the injuries sustained during service that the government doesn't want to pay them for.

[@juanshaftpatel7488]

@@jizzwizard45 hes over paid by the ... its not liek he cant do shit.. hes obviously working 80 hours a week for shit money... he can easily work in a real job... hes just another loser vet...

[@Youre-Welcome]

​@@smartandsimpleSNS 1.6k for life is > than 1.6k. But hey, the Army screwed me too

[@drewo6388]

Ha yes! I always love when Caleb gets fired up about coffee spending. "Have you ever thought of this wild concept, BREW your own COFFEE!!??!!" Gets me every time! 🤣

[@lot2196]

Ha, instead of forgiving student loans we should ban Starbucks. That would help young people out more 😅

[@drewo6388]

@@lot2196 ha maybe so! Every time I drive by the Starbucks in my area, the drive thru line is wrapped around the entire building. Morning, noon, evening, doesn't matter!

[@potato1084]

@@drewo6388 It’s mostly older people though. 35+. I got a coffee from a coffee shop for the first time in 5 months the other day and honestly feel like I’m no closer to the steps for owning a home. I got new clothes just recently after 5 months of re-wearing old things I hated to save.

[@potato1084]

@@lot2196 Thing is us young people aren’t even going to Starbucks. I mean for such low quality, burnt coffee is the price worth it?

[@Banghatsu]

@@lot2196 This is just false, but I know you would not do the research to educate yourself just make ignorant comments.

[@TheRealMjb2k]

I used to caddy for wealthy people, and one time I caddied for a teacher turned investment banker who was worth millions. I remember him telling me on our loop “would you rather build a single house with your hands, or fund the construction of 100 houses?” I think what Caleb said at the end is somewhat parroting what he told me, which is that you can have a direct individual impact like this guy working at the camp, but by dedicating to something else that’s more fruitful you can have a much larger indirect impact through funding and giving back. Some people will disagree, that’s fine, but I side with this mindset as well.

[@Hordakkk]

Was this guy you caddied for named Jeff by any chance? 😅

[@alisantoro9622]

That's great advice and food for thought. I also think it depends on who you are as a person. For me, I'm much more impactful on a one to one individual impact basis. And each person you impact ripples that impact out into their communities. So there are merits to either approach, but not if you're drowning in debt of course.

[@SAnderson54]

YESSSS!

[@shianngdM]

One of my new favorite comments, and the best advise I’ve heard. It’s all about perspective.

[@maximusthegreatest]

This is true to some extent but without the person on the ground doing the work then throwing money at the problem won’t do anything. There is not enough money in the world to beat cancer but maybe one researcher who has spent a lifetime working can beat it.

[@eliseg0001]

glad to hear he’s physically recovered from that accident - sounds incredibly scary (1:35)

[@SnifferSock]

Dang, I want to hear more about that. Like how did he survive an 1800ft fall with malfunctioning parachutes?

[@Tideman11]

The parachute was possibly half open.

[@HotelBravo556]

Bro, the VA is doing you dirty. You should be getting 100% disability pay for that level of injury. Fight for more.

[@CRS-fe2zj]

What does it take to get 100%? I feel like smashing your leg I to 20 pieces should qualify lol fk😅

[@NikkiJ20]

Maybe he didn't claim the right things or understated his symptoms

[@joeyjenkot348]

@@CRS-fe2zj There is a weird equation and every injury gives you a certain %. However they don't just add up together, they factor into the equation

[@michellecd4722]

He'd be more apt to get disability for the mental health trauma vs the leg as if he's working 80 hours a week you're not disabled period. When you're disabled your ability to work lessens until you can't work anymore. He's way too young to get on disability right now.

[@daphne10120]

He’s able to work. If he’s able to work then he absolutely should be. Dude is talking about finding a career and is fully capable of working a job. If you can work a job you should not receive 100% disability. Help with housing? Yes. Help with medical expenses and food if needed? Yes. A small supplemental check to help out for rough times? Sure. But not several thousand dollars a month when you are able to work a job.

[@riseuprxns]

For making just a tiny amount of money this guy is impossibly one of the best potential situations that Caleb has come across. In one year, he could have a completely different outlook after getting out of debt and fully saving up for some needed expenses. If he lives the way, Caleb is describing for 2 to 3 years, then he would immediately be in the best situation of anybody that’s come on the show so far that makes under 100K

[@smartandsimpleSNS]

Colton is so wholesome 🥺 Hope things work out for him

[@amandab6034]

Yes :)

[@NewAdventuresOfUs]

Yes! I love that the only expense he wanted to keep was learning the piano. He seems like a good guy, and I hope he has financial success.

[@Universal_Craftsman]

Why is no one talking about him surviving an 1800 feet fall? God must love this guy, the church should promote him.

[@charlieguy6872]

Seems like the church is taking advantage of him sadly

[@Matt-hz6fv]

I’m assuming he still parachuted just dropped to early or malfunction and was able to early enough

[@krissybee2484]

The church should support him and the VA should compensate him more appropriately.

[@3rdHandSlots888]

I could actually feel the anger when Caleb read the $500 charge for the card game. The one positive thing about that is that means this guest has more money to actually work with because just by not buying more of these cards that's instantly hundreds of dollars more a month to put towards debt without an actual huge sacrifice.

[@bradyrobinson5016]

Success seems to be connected with action. Successful people keep moving. They make Mistake but they don’t quit... As the economic crisis keep rising, we literally need to have different streams of income. The crypto and stock market has plenty opportunities to earn a decent Payouts with the right skills and proper Understanding of how the market works.

[@bradwilson8218]

Yeah you're absolutely right..... Lots of people are still making massive profits from the stock and crypto market, all you really need is some relevant information and some professional advice. It is totally inappropriate for investors to stand by as they take dips during significant market diclinism

[@andrianaanita9535]

@@bradwilson8218 A good investment requires experience and knowledge to carry out a successful operation. Professionally, it is recommended to trade with experienced brokers, who can help you increase your profits while helping you learn the trade

[@bradwilson8218]

Well I invest with a top trader Investor Ashton Edwards you might have heard of him.. I can correctly say he's the best top trader in the world, an investment advisor as his diversification skills are great, I say this because i see that in his results as my portfolio grows by averages of 25% to 35% on a weekly basis, unlike i can say for my IRA which has just been trudging along. my portfolio just mirrors what he place and not just on some particular industries of my choosing. He gave me that financial freedom I needed

[@daviesmoore377]

@@bradwilson8218 Honestly I really need help with learning how to trade. Seeing my portfolio low makes me very sad. Please do you mind sharing any means of reaching out to him easily?

[@bradwilson8218]

@@daviesmoore377 Investor Ashton Edwards. He's well researched. Just look him up on the internet, you'll find his personal website

[@thegreatsauna2347]

Colton brother I am glad you are seeking help. Transitioning from the military is tough and you are on the right track brother. I am so glad you pulled yourself out of the spiral after you left the Army. I hope you find your next mission in life and give back financially to those who we’re struggling like you were.

[@Bobbaeee]

I got out of the Navy October last year, have since paid off my 15k in debt and making 3x what I did before, these videos helped me lock in Caleb, thank you

[@rowanfontaine7632]

What sort of job did you get after getting out? I also recently got out and unfortunately am only making 50% what I did before

[@Bobbaeee]

@@rowanfontaine7632 my girlfriends dad got me a job as a field engineer for a construction company, I work a shit ton but made 11k last month. 80hr weeks I’m just grinding right now

[@lucasley20]

lol "I just got squeaky" He seems like he will be following through with getting his financials straight. Thank you for your service!

[@ElBadu]

This is probably the best person in the show in terms of opportunities to turn things around

[@grimekitty3381]

Including the disability, he has nearly 40k per year - 18k per year from job, and 19k per year from disability. On top of this he doesn't pay any rent. Considering these factors, his spending is even more wasteful and silly than at first glance.

[@denisep.98]

I CANNOT WAIT for this follow-up!! ❤❤❤ Colton will knock it out of the park! It is so refreshing to see someone own his missteps and love Colton's genuine can-do attitude toward knocking out his debts and funding his emergency fund! Colton, you've got this!! And THANK YOU for your service, both in the military and out. 😍

[@itsmechloe]

He keeps coming with the great videos 👏🏽 my partner and I actually made budgets and are halfway done to be out of debt by the end of the year!! Thanks Caleb!! :)

[@CalebHammer]

That’s awesome!

[@laurachamberlain9591]

I didn't think I had a spending problem because I did't think I really buy anything until I took last months bank statement and saw $1000 spent on just stuff. So thanks to you, I have now limited my spending. And I feel good about it.

[@memeross240]

Same here

[@chaselesser3191]

It’s crazy right? You could basically raise your income by $1000/month if you take a step back.

[@turtleanton6539]

​@@chaselesser3191yuuuup😊

[@meggggg]

From the title, this wasn't the episode I expected to finally relate to! I have the same values/goals as Colton whereas I couldn't care less about money and just want to make enough to live comfortably and do things I actually care about! He's lucky his job is something he cares and has passion for (I can't say the same) and I can see why he might not want to leave it! I also relate because I too work at a camp (although a totally different type) where all my expenses are paid which allows me to only spend 30% of my total income! He really isn't bad off once the debt is paid but I hope he can find a better work/life balance because 80 hours a week will catch up to you if you're doing it year round! Good luck Colton! 🙂 ETA I predict Colton will have the best update of them all!

[@amberpadilla6463]

This is labor exploitation, if you can’t pay your employees fairly then you shouldn’t be running a service, ministry or not.

[@Banghatsu]

That's capitalism, that's America.

[@amberpadilla6463]

@@Banghatsu working 80 hours a week I think counts as unpaid overtime. I don’t know Texas law but that sounds illegal… There was some recent big controversy that shone a light on Hillsong church’s labor exploitation. That church was sort of a template for many modern evangelical churches.

[@its_jess4321]

Therapist here: no we wouldn’t typically ask people’s finances but we often end up finding out if it’s a coping mech. And for those over spending you have to bring it up. No I cannot do the financial piece but we can get to the reason of “why” and replace the behavior

[@Driver8takeabreak]

This fellow seems like a nice dude, and is really in a pretty good spot. He has guaranteed income for life (which is also decent retirement!), and a decent retirement account for his age. He currently has very few expenses and if he just gets his spending and debt under control, he's setting himself up in a good way. And finally someone with an old, used car with no stupid car debt!!!!!!

[@Mila_ZTA]

Sheesh this guy isn’t even rated at 100%! He should definitely try to get his ratings updated. Thanks for featuring veterans Caleb! I’m military and love seeing other military folks reaching out to you!

[@CannedCam]

Bro he needs to go to a VSO ASAP. Get that shit to 100, because it sounds like he’s at like 50/60 which with a broken femur is insane

[@danielrn133]

You don't get your ratings "updated" because you are broke or make crap up.

[@pmi8510]

It's 70%, and he'd have to claim more things to get 100%. VA math is not like normal math, he'd have to have a total of 250% overall to get a 100% p&t or he will have to apply for unemployability to get 100% rating. 38CFR is what he should be studying!

[@OShackHennessy]

Why is he 100% disabled? Is his femur still broken?

[@samusami7439]

Him " Not that I don't love my parents but I'm 25 year old" Me: 25 and crying for the past week because I can no longer live with my Grandma. She has to go to a senior care place :(

[@Alex-zi1nb]

holy effin crap a double parachute failure and 1800ft fall and only snapped his leg. my dude is lucky to be alive, i hope he can kick that debts ass!!!!!!!!!

[@kellytodd7060]

I actually love this and hearing someone who has values outside of money. But still needs a financial plan. Thanks for doing the audit Colton!

[@joshua890]

Caleb, I like the progression of the budget chart. This way of doing it is much better and clearer than previous episodes. One suggestion would be to wait longer before having the "recommended videos" pop up at the end. Or move them to the top of the video so we can see the results of your scoring. Thanks! Great videos!

[@marlenebonilla8646]

^ i like this suggestion too.

[@DoctorCataclysm]

I too was in the 82nd. The chow halls were crazy to visit. All you would see were injured young men walking around like they live in a retirement home. Airborne, my brother. All the Way

[@michi8081]

“And guess what?! And gems 👊🏼 and gems 👊🏼 and gems 👊🏼 AND GEMS 👊🏼.” 😂

[@Allgainsnopains]

If his army story is true and accurate, he needs to get a benefits lawyer to get him to 100percent.

[@juanshaftpatel7488]

why> he works 80 hours a week fine.. hes just a typical loser vet

[@krissybee2484]

Exactly! When he got to the part about not leaving his apartment, yeah he needs to go talk to a VSO, DAV, or a lawyer. That’s awful. Like not only the physical injuries, but the mental

[@gavinsakamoto]

I feel like the channel needed this video, just a genuine Veteran accepting the guidance he needs to quickly better his financial future for the next decades all in the span of a hard worked half a year(or faster ! ) thanks for sharing your financial situation with us Colton

[@monicarathbun5433]

Me listening to this while I nervously and impulsively get unnecessary Taco Bell before meeting with my financial advisor 😬😬

[@Psikik]

🤣

[@cassiemarieee_]

You always put these videos out at the perfect time. Always right before I go on my lunch at work 🤣

[@mibsemusic]

People that watch this show shouldn’t take lunch breaks

[@hannahyalea]

Yup this exactly, watching on my lunch break rn haha

[@beefy45]

Caleb needs “brew your own coffee” travel mugs

[@TheDrewsperience]

Mondays, Wednesdays, Fridays 11 AM Eastern is FA time 🙌

[@CalebHammer]

Wooo!

[@groggdog15]

How does he only get 1663 a month, but that dude a few months ago with mental trauma got over 3 grand? I feel like this dude deserves at least as much as the other guy.

[@marshapitts5]

Veteran here. He probably had other items he got percentages for. He probably only brought up the mental trauma. Also, there are certain symptoms you must have to get compensated and the biggest thing is, it had to have been documented.

[@lindajohnson.]

I believe he said he received $42,000 when he left the military ? ?

[@kail5839]

If you work, you can have some or all of your SSDI taken away.

[@tammiehinkle2040]

​@Kail it's not SSDI, it's VA benefits, totally different programs.

[@logical_lb3059]

U have to get qualified at 100% to get over $3k. A lot of people pull scams with sleep apnea, which is an easy way to get ratings up

[@jby382]

Caleb you should do a video on the anatomy of a credit card statement: the grace period, carrying a balance, and why that's so harmful. Every episode when people make balance payments but also make transactions you get rightfully mad, but it'd be awesome if you explained WHY and the type of positive behavior that makes a credit card person a credit card person.

[@caseyleirer9677]

When Caleb said “ctkctk catitos” I felt that

[@davidaugust7505]

I'm finally starting to pay off my credit card debt because of you, only $29,000 left to go! Hoping to have it all paid off by January. I just have to keep watching these videos for motivation so I can buy a house by my birthday next year. Thanks Caleb!

[@missmia196]

Sheeeeesh, accelerated timeline?

[@davidaugust7505]

@@missmia196 currently putting a minimum of $3500/m towards it, but I'm going to try to save closer to $5000/m, wish me luck!

[@user-lt1jd1ye3v]

This man is so friendly and nice. He’d make a great dad.

[@terawhitaker]

I truly hope he does the 4.5 month plan to get out of debt! I'd really love to see him operate from place of peace about his future.

[@highvelocity9673]

Breath of fresh air to have a disabled military vet on the show instead of your typical LA “influencer”. This man deserves financial freedom- he should post a go fund me to allow folk to show him some love. Disabled vets aren’t honored like they used to, thanks for having him on Caleb.

[@TheFuentesFam]

80 hours a week for 18k a year , they’re taking advantage of him

[@Tbaecon]

It’s literally less than $5 an hour for working 80 a week that’s wild to me. How is this okay? Literal slave labor.

[@r3negade47]

They massively are. It’s basically like giving to charity. Honestly this guy should just work at the camp 2-3 months a year and get a decent paying job the rest of the time. Invest for 5 years then go back and do camp stuff full time, no issues.

[@captaindave88]

Ultra Christian Capitalism.

[@juanshaftpatel7488]

he chooses it.. no one is forcing him

[@kantoshero]

One like and I’m sending an email to get my finances audited. Or should I say…. Hammered 😉

[@potato1084]

Oh you’ve got robinhood videos on your account…your portfolio’s so hammered you don’t need Hammer to tell you you’re in deep shit 😂

[@potato1084]

@@KennedyIvy With those Robinhood videos I’d give them a negative score😢

[@funnytime1111]

When he starts the audit he should say “it’s time to get hammered!” 😂

[@kantoshero]

@@KennedyIvy I’m hoping for at least a 4 😳

[@kantoshero]

@@potato1084 it could be worse. Could have gotten into GME and AMC and BBBY to go to the moon 🌝

[@candydreams7306]

Looks like it's time for me to compulsively look at my bank accounts again

[@daphne10120]

Honestly this channel is so nice to watch in the morning after I get off work 😂. I work in a crazy busy ER and most nights are a shit show. It’s so nice to come home and listen to this while I walk my dog and get ready for bed.

[@lot2196]

At least he wasn't attacked by his Sargent like that one kid.

[@DipityDADoo]

I had some pretty toxic leadership there was a lot of stuff I didn't go into that had happened

[@KC-dr3cg]

One of the most compelling stories. I'm grateful to his contributions.

[@robertsoto4239]

I LOVE THIS SHOW DEFINITELY BY FAR ONE OF MY FAVS ! I’m A HUGEEE FAN keep up the great work ! Love your squeaky voice !

[@PhoenixCustomsWoodworking]

at $1663 a month in VA disability compensation this guy is rated at 70%. With that kind of injury, he should be able to get an increase from other secondary injuries which he NO DOUBT in my mind he has, he just needs to file for an increase. If he was able to get to 100% as a single veteran he would be at $3621.95

[@juanshaftpatel7488]

and all he would do is blow his money... hes a typical loser vet

[@jadeysutcliffe]

I think the squeaky is kind of sweet. It just shows how genuinely invested you are 😊

[@saraifortin9027]

I've been binging your videos recently! This is one of the really good ones. So much hope and authenticity :)

[@blassy]

Don’t even know how I found this channel, but god damn it’s been eye opening on my own spending. I’ve been binge watching the past week and instantly subscribed

[@marykoontz6640]

Really rootin for you Colton! Thank you for your service 💜

[@alexandrawalsh333]

Oh my gosh what a sweetheart! Good luck Colton! Rooting for you buddy 🎉

[@pimpinondemhos101]

Love Caleb’s support for therapy. Really has me thinking of setting up an apt with my therapist I haven’t seen in 2 years

[@MR_ILLUSTRATED]

I really like the graphic for the budget wheel taking centre stage now instead of being in the corner. Kudos to your editor 👍

[@nicholasbentley407]

TSP account holder here... the L funds are life cycle funds. They automatically rebalance every 10 years to be less risky as the retirement year approaches. For instance L2060 would invest 100% common stock, and then slowly change to bonds and less risky investments.

[@stormviking010]

25:24 Caleb said Taquitos so much this episode he started malfunctioning 😂

[@CalebHammer]

🤣

[@beckypetersen2680]

Stopped at 20 min in - to comment - I think it might be possible that he says to himself, "Well, I don't actually have to pay for my food at the camp so I can afford to pay for this and this." And the truth is, he probably can - after he's out of debt. Thanks, Caleb, for catching yourself. This guy at least doesn't reek of dysfunctional! And to the guy - thanks for your service! (My husband and I are in ministry - so I feel for you about the pay - my sis worked at a Christian school and made some tiny amount per year - we know people who work at various camps - there isn't a lot of money to be careless with.) Caleb - my husband and I worked at a Christian children's home as house parents and had only about $125/week in pay - in cash since housing and food were provided - years ago now - where state Children's homes paid 10x that.

[@jasonscst]

The quality of the production keeps improving. It’s very good work and quite impressive how a few months of growth can have massive impact on quality.

[@lmelior]

Whoa, posted 42 seconds ago with 4 views. Good timing! Bro, I make about 8x what he does and I have never spent a single dime on Clash of Clans even though I'm just about maxed out. It's insane to spend that much on it on that salary. There is WAY too much free entertainment to do this. But wow, all that disposable income, no wonder he feels like he can blow it on all these expensive hobbies. 6.5 months is a perfect time for a follow-up. A successful turnaround will make for a nice Xmas present!

[@Blade2point0]

Good luck, Colton! You seem like a cool dude, remember the more you help yourself the more you'll be able to help others.

[@eliseg0001]

Noooo caleb really called one of the chapters “DIVING into BS spending”

[@ruggedcherry4201]

Caleb, I love when you get squeaky! Never stop getting squeaky! It is the “voice of reason” I hear in my head when I’m thinking of making silly purchases.

[@gotitrightonce88]

This may be one of my favorite episodes yet! Great content and rooting for Colton!

[@kayleighlittrell6018]

First for Hammer 🔨 time!!

[@AnalyticalMenace]

Caleb. Dude. Just gotta say...the naming scheme for your video chapters keeping getting funnier and funnier. Good stuff!😂

[@court764]

Love that Caleb pushes therapy. I know that a huge part of my credit card debt was bad coping with depression through impulse buying and emotional eating. Definitely taking this to therapy now.

[@ComputerGoat]

Dude fell 1,800 feet and didn't die? If thats true thats the craziest thing I've heard on a podcast before. Wow!

[@AT1NE]

Awesome to see you helping out a veteran!

[@nerdingout322]

This guy would rip me apart from my alchohol and smoking bill. Calclated yearly for shits and giggles. 7.2k. lol

[@Ty17154]

Caleb - love the visual graphics. I know it takes more work on your part but it really enhances the viewer experience. Would be cool to see something similar for their long range plan by month you lay out.

[@BuckeyetheCat]

I like how the new budget visual looks. Great video as usual. We're rooting for you Colton!

[@Lito290]

Much prefer this budget breakdown interface - kudos to the editing team!

[@robertmiller1367]

My favorite KZbinr 🎉 changing my LIFE out here 😎!

[@lili011]

Love this episode! Even with the financial situation, he's doing as much as he can while being aware of it all. Can he do better? Of course! Do I believe he can? ABSOLUTELY.

[@andymcbenson1426]

These videos really help me stop buying the crap I don’t need. Thank you Caleb

[@tanyam3090]

I hope this guy recognises his worth and finds himself a job that actually pays him better. Colton….please search for other opportunities. What a great bloke. Wish you the best. PLEASE BRING HIM BACK ON THE SHOW CALEB! My favourite guest so far.

[@user-uj5qr6he2v]

Another video!! I feel spoiled Thank you Caleb!

[@NelsonFryar]

Great video Caleb! Keep up the fantastic work!

[@JoseFlores-xh5cj]

He is a nice guy, very few would accept the $1600 a month retirement and pastors Ive known make over $100k a year and they are not close to working 80hrs a week.

[@gr8macaw1]

Yes Colton seems like a kind sweet guy. I just wish the church didn’t take advantage of him.

[@anduril2002]

100% VA disability without dependants comes to $43,463 a year doesn't not bring him to 99k...

[@NikkiJ20]

This is the comment I was looking for lol

[@anduril2002]

@@NikkiJ20 with my retirement pay and disability I'm at $75k. Which is very much okay income on a budget for my area.

[@matthewclark4958]

Another great video, you're helping people change their lives in an amazing way