Still Spending On A Maxed Out Credit Card!

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My financial friend, financial education, american debt, the dave ramsey show, budget money debt cash, personal finance, how to invest in real estate, the plain bagel, the rich dad channel, how to start in real estate, graham stephan, meet kevin, rental property, investment property, ryan pineda, elena taber, noelle randall, lili thompson, john olfert, bigger pockets, student loan debt, shorts, biggerpockets, investopads, biaheza, credit cards, student debt, how to make money, debt free, real estate, compound interest, buying house, pardon my take barstool, save, insurance, buy, snowball, pay off debt, debt free journey, financial independence, how to pay off debt, how to pay off student loans, debt snowball, dave ramsey show, pay off student loans, financial independence retire early, how to pay off student loans fast, debt payoff, dave ramsey live, net worth update 2022, dave ramsey cars, caleb kids show, dave ramsey car loan, college debt, money, debt free community, dave ramsey car payments, my net worth update, dave ramsey live stream, make money online, get rich quick, get rich, net worth, loans, fake guru, student loan, day in my life vlog, day trading, credit, loan, budgeting, stock trading, crypto, finance, budget, student loan forgiveness, ramsey, car payments, credit score, shiba inu, should i go to college, shiba inu token. As a 23-year-old with more debt than anyone should ever have, I know how hard it is to get ahead. This is the story of how I paid off $67,000 in debt in just 3 years using the tips in my new financial audit book, Zero Down Your Debt: Financial Freedom Through Debt Repayment. If you're feeling overwhelmed by your student loan debt, this Financial Audit book is for you! It shows you how to pay off your debt using the same techniques that I used, and it's completely free. I hope this video helps you get started on your journey to financial freedom! shiba inu crypto, inflation, manifestation, net worth spreadsheet, car loan, shiba inu price prediction, caleb hammer, financial audit, caleb, is college worth it in 2022, credit card debt, financial, dave ramsey, debt, credit card, payday loans, coffeezilla, car debt, bridgette wilson, pardon my take, is college worth it, john oliver, paying off student loans, net worth update, che and cherice, student loans, caleb maupin, shiba inu coin.
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[@JoshEbersole]

If you don’t understand how interest works on a credit card you SHOULD NOT have a credit card.

[@CalebHammer]

Yuppppp

[@omotayosatuyi252]

It’s sad that people don’t know this and it isn’t taught in school it’s simple the higher your interest rate is on the card the more money you have to pay the next month if you consistently pay the minimum balance

[@JoshEbersole]

@@omotayosatuyi252 schools can’t teach everything though and really parents should do a better job of teaching their kids basic finances.

[@TheSeawolf277]

@@JoshEbersole maybe instead of teaching kids trigonometry and microbiology they should add some insanely basic tax/financial literacy classes instead, considering most will never use the former and all will use the ladder…..

[@esmeecampbell7396]

​@@omotayosatuyi252 it is taught in schools, compound interest is taught in maths classes to 11 year olds...

[@Do_You_Dare]

I respect this man for helping people like this. It doesn’t take long to fall under and drown

[@OverRule1]

He should of gotten USAA. The interest is so little

[@Rodgerwilco91]

It doesn’t seem like he’s helping from the clips I’ve seen. Just condescends people the whole time.

[@johnhancock2667]

@@Rodgerwilco91 it's a short. What we are seeing is the smack in the face to bring these people to reality. Then when you crushed them you help them develop a plan to fix it.

[@Huitzel]

This guy is literally just regurgitating basic information to idiot instagram people. Like, we all know you should save more than you spend. Is that really helping anyone?

[@frankfeng6199]

it's good he's catching him relatively early

[@JayJay_1827]

It's crazy how people don't know what interest is, I work in fraud at a bank and literally had someone call in because they saw the interest rate on their bill and thought someone charged to their card, then once I explained what it was, they said they thought interest meant they got that money back, like a cash back reward.... She was 53

[@DGregster]

Dangggggg!

[@mattjingles5758]

Because the word interest itself has a positive connotation. But when applied to banking it has a whole new perception and meaning.

[@JayJay_1827]

@@mattjingles5758 I can sort of see where that could happen for people who don't have English as their first language. But for an English speaking person to get confused because its a word with more than one meaning doesn't really seem like a legitimate excuse, you wouldn't assume a construction company is a business dealing in theft because they're working with steel

[@somethingsomething404]

I’d be like “oh honey no, it’s not in your interest, it’s in the banks interest for you to hold a balance”

[@cateatfood6634]

Lol. I just taught our 6 year old and even though she responded as if she knew (shock and disgust, same with taxes), I will have to teach her every year. How tf, even if no one ever taught you, do you not k ow what it is or read the terms and agreements?!

[@whiteperson1742]

Did my guy smoke a doobie before the interview jeez lol 😂

[@ufchighlights1]

I could be high do my accounting homework so I think this dude is just dense.

[@griffin_kith6214]

For sure look at his eyes lmao

[@blacknikespurpleblankie1354]

Put down the bong and better financial decisions bucko.

[@notworthit1096]

He probably put it on the card

[@whiteperson1742]

@@ufchighlights1 sounds like you need to take a break and let your tolerance go down make it fun again lol

[@SpoonHurler]

My dude definitely has the 20 you spotted him back at the crib and will get you when he sees you in a couple of days. Totally.

[@carpelunam]

bro you can trust him hell get you back

[@simonostinelli493]

Hahhahahah this is a great comment,all the best love from London and Dublin X

[@rebashhhh3448]

dude I am so happy I found your videos, I am very grateful that my parents taught me the importance of saving and investing and as much as I feel i don't have a tonnn, I see all these people that you bring on and I not only feel more secure in my position, but it gives me motivation to not make these mistakes that in hindsight seem so simple to make an avoid, and practicing more delayed gratification. I do the cash envelope exclusively with larger purchases and nights out with friends and things that I want to be able to freely spend money on, and it's allowed me to save a significant percentage pump more on a monthly basis because having something tangible in front of me has me think on the decision more. You're going the lords work!!! never stop hustling for this generations financial literacy!!

[@SoCarTatical]

finally someone that gets it. these videos make me feel like i’m the only responsible person my age, and thinking about majority of the people i know (not friends) are broke asf.

[@borix5007]

this guy is how id imagine you're average frat guy to be like

[@JoeyWoodpine69]

A complete moron?

[@ceus1001]

This guy is not like any frat guy I’ve ever met

[@carlosarana1589]

Stevie Emerson character but in real life

[@ohokcool]

@@carlosarana1589yup

[@effytraveler6155]

His videos have changed me from using my credit card anymore and being wise about food shopping to pay it off. I have a debt I can’t pay in full and get interest that of course means I am paying a percentage of the principal when I do more than the minimum.

[@riskingmybiscuit4209]

This is why stuff like this needs to be taught in high school responsibilities

[@moneypro85]

High school tried to teach you chemistry and you still don't know. This would not help

[@gseybold]

This is great. Happy to see you helping people and calling them out. I hope people take the meeting seriously and turn it around. I know it's not easy starting out and the CCs are way too easy to use instead of cash or doing without.

[@samdoessomestuff]

Thank god someone is helping these people

[@kimmypossible6717]

I love him. I make good money and, ironically, I am an financial accountant. Yet I barely make it every month. I don’t owe any credit card debts, no car loan, but for the life of me can’t build up ANY savings. Watching his videos is like an epiphany and motivates me to tackle my finances.

[@dialedmedia_]

I really needed to hear this, this man had to be the target of the heat yet it brings light to a lot of people's situations.

[@paypayyo]

He’s like my generation Dave Ramsey lol I like it

[@BlackRose3610]

Caleb guna need an Ativan script pretty soon

[@ana419]

What is an Ativan script?

[@carpelunam]

​@@ana419 💊

[@BlackRose3610]

@@ana419 Ativan is used to treat anxiety attacks and severe irritation

[@davidescobales4072]

Imagine if this life skill was taught in HS...creditors would lose their minds and wealth lol

[@juelzd7172]

Colleges would lose their minds

[@theohiaoancowboy9866]

I'm blessed to have the parents I have and I watched Dave ramsey

[@Chrissie780]

This guy has taught me more about financial stability then all my years of going to school 😂

[@donriddler4204]

This is crazy people forget about money in places and what's owed this is insane. Banking and managing money should be in every school curriculum.

[@Gideon920]

Now I know how you’re so good at dealing with disappointment, you’re a lions fan just like me!!

[@whyjordie]

Bro only had $1000 in debt, I have $30k 😅

[@ewicky]

It's not a competition...

[@rachael8078]

He doesn’t understand interest clearly

[@dabulls1g]

He just doesn’t care, which is worse

[@sohaibahmed226]

A lot of people aren’t aware. But that’s why it’s good he makes these videos

[@jacob_montes]

Just want to say I appreciate your videos. The way you tell these people the truth hurts no doubt, but for some it’s the only way they’ll understand. Keep it up.

[@dillonhallam6909]

Love the extremely sincere "idk how much money I owe" eyes 😭

[@ronaldmcdonald3965]

Caleb should get his own Reality TV show!

[@JPort561]

This guy loves to hear himself say "Here we go"

[@anttoniio]

me thinking about using my credit card then i hear caleb’s voice in my head and i stop myself

[@deanhayashi5299]

I learned the hard way about spending and debt. So I kind of understand the situations a lot of these individuals have gotten themselves into. Hopefully they can learn to live within their means.

[@perduedoo]

Very thankful to have a financially smart father to pass this info down to me at a young age.

[@patrickmcgartland7447]

Interest! Charged! 😂

[@Joejoes1276]

Here I am with 0 debt with 25k saved up/invested and I still feel like a loser lol

[@dakotathacker3821]

"Here we go..." Ain't the first time someone's tried telling him to be more financially literate

[@mattikz9140]

I like this guy…he will humble you in the most honest,deserving,friendly way….I will learn something positive from this guy.

[@ShadowElectricity]

This guy is so knowledgeable hes great

[@AmericanArgonaut]

I’ve watched 50 of these video of you checking people on their spending habits… but I just subscribed b/c your a Lions fan… just keeping it real..

[@johnfarrell9226]

Im just shocked that he had no idea what interest means n that he willing allowed himself to get into that much debt, i stalk the shit out of my card when i use my credit but once i see its posted i pay that shit right off n even with my car loan im throwing some money just towards the principle itself. He needs to be sit down n really go over his finances because dude has no idea

[@Barter709]

"oh man, here we go!" 😄😃😅😄 Bro wtf did you expect him to be proud you maxed your credit card or something??

[@aleenabooblue3055]

This channel makes me feel a lot better about my financial situation 😂

[@STARDOG64]

I'm losing 500/ month just on INTEREST because I maxed out my cards starting my own business. Thank GOD I was able to get and stay GREEN. BUT I still owe 30k at 24%...... my credit is just about back up to where I can get a loan to knock off the credit debt and pay maybe 8-10% instead.

[@gerrottdean1058]

damn bro soft hands and a negative cash amount. what a man

[@Dave-kr8bt]

Hows this dude only getting $33 in interest payments. That's like 2%. Most credit cards are like 20%. Should be paying $300 or so.

[@davidfence6939]

These kids just want to laugh it all off. And yes, they're still kids. Even in your twenties you're still learning so much about life. They've put themselves in massive debt and don't understand what that will do to them. I DID IT TO MYSELF TOO. $50k student loans $8k 1st card $2k 2nd card $5k 3rd card That was 10 years ago and I didn't start waking up to what I put myself into until 5 or so years ago. Student loan is down to $25k $8k is down to $6k $2k is gone $5k is $2500 I have learned to budget. I got better at cooking. I plan to get more than 1 meal out of what I cook. I cut subscriptions. I even cut how often I get my hair cut. I eat out less and order water more. This debt can hang on you for half your life. I wouldn't wish that on anyone. Listen to him at least on getting rid of all the insane debt. It's one thing to have $15k in student loans and $1500 on a credit card, but that's not the average person he speaks with.

[@aarondrossart6026]

Carrying a balance on a credit card is literally the worst interest rate you can get... On anything... Period.

[@JayGoTexas]

i used to see these tables on campuses pressuring 18-20 to get credit cards on orrientation days and most of them end up like this kid.

[@pjf4397]

I do the same thing with my Venmo, Cashapp and checking so I can understand his thinking

[@rayndelvalle2729]

33% is the annual interest, not monthly interest. If it was monthly that would be criminal

[@Anestary]

Credit cards are risky I know they build credit quick but penalty fees and interest rates to kill mine is kept under 200$ approved for 10k 🤢 I believe having a good savings is going to become more important in society than a credit score

[@nevermore1570]

This is 80% of ppl right now not understanding money.

[@atreyuwings]

Here we go

[@smolrat159]

To be honest I kind of like the bad cop take he's using it sounds rough but it's really effective

[@Coopdeville0624]

If i use my credit card i make sure i can pay it off before the next bill comes

[@KyleKrunk]

Made a CC payment after watching lol

[@davebeveridge3314]

I got money in my…..sock.

[@ridgecoe2948]

This is what they should be teaching kids at schools so they have some kind of idea what life is really about..most young ppl have no idea about principle,interest rates,or how to keep up with there balances

[@christopherwaters2503]

Detroit baby!

[@Wowsers101]

Go lions! I'm a Giant's fan though

[@puprilla]

I love how ppl act like debt is bad 😂 and I want to see the person who runs the pages accounts and credit score compared to someone like myself who has 0.4 % debt-to-income ratio while making six figures a yr after tax and living under my means of income

[@stevieboy7075]

So glad I don’t have any credit cards because I have no education on how to use them… and I save half my paycheck every week for the past 4 years… that and getting into a car accident that wasn’t my fault getting my car paid off, I have over 10k in my savings at 23

[@fugisgonefishin]

This dude looks like a young Shane Gillis and what he said sound like a skit he’d write😂

[@lividarcher7884]

Like I use my cc for basically everything but I also throw a lot of money at it each month to pay it off

[@ryanhogan6509]

When your account has less than 4 digits, just know your broke, if you have 4 digits your living “hand to mouth” , 5 digits you might think about assuming debt in the form of a house, 6 and 7 digits things are getting better..

[@LaineDavies]

I got one of those reward credit cards that cost a couple hundred a year but get you free air points and shit. I got the fees free because the bank does a deal with my work. I literally told the lady when signing up I'm only getting it because it's basically free airpoints if I just do my everyday shopping with it and don't spend more than my checking account. It has like a 20k limit and I don't think I've been over 2k on it, also it's never been in the negatives for more than a fortnight. Just got $280 plane tickets for free from it too 🤷‍♂️

[@brandonmcdowell3714]

Love the videos and the Lion's gear!!!

[@andrewtaylor3771]

To be honest, if schools taught about taxes, credit cards, basic finance in general...things like that would not be happening.

[@krizak4421]

Do most parents just completely fail their children on financial education? Teach us about healthy romantic relationships and money, please. No one else will do that job for you.

[@MrA71717]

I switch cred card every couple years. Havnt used it in 3 or 4 years and just find good interest free balance transfer deals

[@geraldo4004]

I don't use credit. I got more money than I've ever had, and I hardly spend a dime besides necessities.

[@princessdenise8659]

How do I get on this show? I need you to completely wreck my finances

[@joeyr4869]

If head in the clouds was a person

[@gordonwaite2]

I weep for the future of this country!

[@i_Nihil_i]

Oof. I made sure I knew the whole interest thing before I got a card

[@andrewwilkins4238]

Hell yeah reppin dem Lions

[@PInk77W1]

True story I got divorced And my ex dropped the Credit card in my lap and Said have fun. I was so stupid I looked at the bill And I saw the “service charge” $99. I called the 1-800 and asked the Lady what that was for ? LoL.

[@az678910]

He'd hate interviewing me lmao

[@Shiznittlebizbampop1]

Was... Was this guy high? Like did he show up to this, knowing they were going to go through his finances and just decided to get stoned before showing up. Or is he literally walking around like this normally??? This guy legit has a head full of rocks. Like the lights are on and the wheel is spinning.....But the hamster is dead. Totally 120% a full on "Dude bro". Like he's built for college, but NOT for learning anything. So more so he's basically built for fraternities and frat houses. Idk why, but he just seems like one of those people that repeats everything his friend says right after his friend literally just finished saying something to someone.

[@Hippieskippie]

Caleb is the voice of the future!!

[@KingLarbear]

Your subscription cost are ludicrous

[@jmoon808]

Dudes high as fuck, look at the dilated pupils😂

[@theshittybowman]

I though he was gonna be way more in debt… lol

[@howdy1079]

He knew about the interest but probably thought it was 5 bucks not 33

[@Cammmmeron]

It's kind of crazy what content is now days. "Hey you've been selected to be a guest on my KZbin channel.... just going to need to run a background check on you, your social and Financials... all of them." guest" will I be on youtube? Okay yeah heres everything" then gets completely humiliated and any friends that see this now know they're never going to get that $5 back

[@flapcat4681]

You technically aren't losing anything. You don't have to pay those off if you don't want to. It's not like they're gonna take you to jail

[@drricemice2046]

Damn need to get a card that don't do interest on balance

[@01sevensix]

Imagine this being recorded 50 years ago....

[@Upthemeds]

Any money in Venmo is not getting spent on credit cards

[@dan-5678]

Yeah try having 4,500 in credit card debt and a $3,800 car repair bill

[@jakkuwolfinsomnia8058]

“Do you know you’re in debt by $500 million dollars?!” This guy: “oh yeah baby!” 👈🏻😎👈🏻 “sorry what was the question” 👀

[@Honey_Daddy]

This dude tried to sound super good up front like "I own a videography company, entrepreneur, were doing fine." Then it devolved into more like he's a 20% stake holding investor, sharing the minority with another 5% holder, so no power at all, making 30k a year if that, in debt to the gills, no idea what is going on with finances, has no plan and barely any clue about the business, or his own personal situation, can't even comprehend what "you got charged 30 bucks in interest and thus lost that money for essentially nothing" and had to have it explained 3 times and then just pretended to not be a complete space case after that point....things aren't quite as good as people often make them sound.

[@galaxygolden]

All negativity in the comments. But I’m proud of him for stepping into this podcast to get yelled at publicly and get some solid advice. Wish you luck man! I got it!

[@Meowface.]

CREDIT CARD COMPANIES PROFIT OFF MY DEBT ?! I am shocked I tell you, shocked

[@ana419]

Dude, you've got a good show and important role ahead, but you need to lose weight and improve your health fast. Ditch the fast food and watch people like Dr. Mark Hyman, Dr. Sten Ekberg and Dr. Eric Berk. You're young and can get ahead of it fast. Now is the time.

[@Daveraide]

Why can't you let people be as unhealthy as they want? You are free to be overweight lol

[@ryanells4331]

@@Daveraide you are correct. However I see where Ana is coming from. Caleb is awesome and is doing this from a place of trying to help people better themselves and secure their financial futures so they can actually live and enjoy the back half of their adult lives. Being financially secure however, is not the only part of enjoying your later adult life. There’s a difference between being a fitness freak and just being objectively healthy. I am not saying Caleb is unhealthy. What I will say is objectively Caleb could live an awesome life financially and physically, and I hope he invests in his own body the way he does his financial future.

[@AndyMyers94]

@@Daveraide selfishly you can argue that eventually we all pay for their healthcare. Altruistically you can argue that as a community we should want the best for each other. Two kinds of bad friends: the ones who yell to everyone else you have spinach in your teeth or a booger in your nose, and the ones who never say anything at all. He should take better care of his health, and it’s not wrong for us - his fans - to care about him.

[@tinymuse]

This comment is uncalled for. Also creepy and weird. Lose weight FAST get ahead of it FAST. are you selling something?

[@ana419]

@@Daveraide Lol! So woke! ;)

[@nolankoehn9724]

Ironically this is the smartest guy I've ever seen on this podcast😂

[@conamarshall4868]

He doesn’t know what interest is.

[@mikeg1032]

Credit cards are extremely dangerous and are not taught in schools. Also, balance transfers can literally save your life, another trick NOBODY knows about

[@ryanhogan6509]

33 bucks, the juice, the vig , now you understand??

[@MyPetFishRex]

I want him to break down my finances!

[@leopassion1990]

I don’t know this woman but my gut says she’s not going to listen or take any of this good advice. People like that have to pass rock bottom and hit financial hell before they try to pull themselves out.

[@edwardaldrich7213]

What's sad is he is the best case when Caleb talks to these "children". None of these people are adults and are simply immature beyond belief. This new generation wants to believe the whole world is falling apart because of everyone else yet they lack the maturity to look in the mirror.

[@dannygillmusic]

No guidance from parents

[@dpsheals]

My checking account pays me interest. I do need a credit card though so I can build credit.

[@Charlie-zj3hw]

Pennies ..

[@handsvsfood2781]

You’re still losing money (technically buying power) due to inflation. Get a high yield savings account at least or better yet throw that money into an investment that will beat inflation on average.

[@dpsheals]

@@Charlie-zj3hw tens of Pennie’s

[@dpsheals]

@@handsvsfood2781 you should be high yield everything right now. In my opinion. My ira is up 28%, brokerage acc up 20%. And just went high yield in my 401k that is matched 1:1 up to 5%

[@Androth12]

How do you operate with that amount of money. I haven’t been that broke since I was in highschool.