The Money Guy Show Audits Caleb Hammer!

The Money Guy Show Audits @CalebHammer
Special thanks to Caleb for hosting us at his studio and for being open enough to have his finances audited on our show! We had a great time!
Watch Bo & Brian team up with Caleb for an audit of our friend Joseph on his channel! • I Can't Take Anymore |...
Watch more Caleb Hammer Financial Audits: / @calebhammer
Chapters:
0:00 Intro
02:25 Caleb's Backstory
04:27 Caleb's Biggest Fears
08:13 Cash is King (Emergency Funds)
22:35 "This money doesn't exist" (Investing)
26:25 Avoiding Taxes (401k Plans)
29:37 Google Sheets?! (Organizing a Small Business)
33:30 Real Estate...Why?!
1:00:12 "8 Different Flavors of the Same Hotdog" (Index Funds)
1:08:41 "Resources give you options" (Money is a tool)
1:10:22 British Accents
1:12:19 Car Buying
1:17:33 Hot Takes (House & Business Equity)
1:27:30 You don't know what your time's worth!!
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[@CalebHammer]

Ya'll- what an absolute honor! I've been a big fan for a while now, and it was so much fun hanging out with the lads (Rebie, you're one of the lads too). Seriously, such a fun day and I can't wait to hang out again soon! Next time in Frankin?

[@lania3717]

Get the tour bus ready. Or maybe fly?😮

[@PapaChen]

Way to hang in there, Caleb! Took it from both ends like a boss 😅

[@michaeldowning7094]

The Money Guy Show + Caleb >>> Dave Ramsey

[@bill3143]

@@michaeldowning7094 Dave would have probably told Caleb to get a job delivering pizzas

[@SolidroK22]

Something I noticed with your real estate numbers is that with all the cash you have invested you will be whole as in recoup your initial investment in 7 years with no hiccups (there are always hiccups) that is in line with the avg time to double your money in the market as well. So you are taking on a TON more risk for market returns.

[@mkhavok7370]

Caleb: Not having an emergency fund IS an emergency! Also Caleb: The company has enough to keep it running until Friday.

[@montoriabryan167]

😂😂😂

[@cuh720]

😂

[@matthewv4170]

He does have his tax savings though which if he is struggling he could dip into as the taxes won't be as high

[@michaelofthefives]

This is exposing his lack of knowledge quite badly.

[@mkhavok7370]

@@michaelofthefivesnot necessarily, they just have far more experience handling large incomes while Caleb is fairly new to it.

[@Jonathan-gj9mw]

Watching Caleb doing videos with different financial KZbinrs is like watching an Avengers movie

[@beneliska]

EXACTLY!

[@derekcox6531]

It’s not THAT bad!😂

[@Jonathan-gj9mw]

@@derekcox6531 it wasn't meant to be

[@SteveJohnson-ht6kv]

@@derekcox6531Lol burn! Nice comeback to a suck up comment

[@jroysdon]

Financial Mutants!

[@BenjaminTVogt]

This wasn’t just an audit about Caleb - I think we saw a sneak peak as to how the Money Guys handles clients… figuring out goals, what are your concerns, etc… questions that lead to their recommendations. Really insightful and fantastic content! Thanks for orchestrating this!

[@_wallow_]

Caleb also doesn't realize that yes his show is successful because of it's niche but Caleb himself and his personality is what we enjoy.

[@swelldritch2774]

Very true, he hits a great sweet spot between tough, nice and entertaining. I do understand his concern regarding his youtube channel burning out or getting hit by the algorithm.

[@JithinJacob333]

Exactly! It's like what Joseph Mallozi, a TV writer and producer, always says, " You start watching a show because of the premise but you stay because of the characters." All my KZbin subscriptions, which are like a handful, are to people whose personalities I like and are a bit crazy like me. I've watched many channels about stuff I like but I only subscribe if I like the hosts personalities and as time goes on, I end up watching their new videos not because of their content, but because of the hosts themselves.

[@navehhall73]

Exactly!! 💥🎯💯

[@dove861]

Graham was like the older brother giving advice to Caleb, and now we have his financial dad trying to lead him down the right path. It’s been very fun to watch!

[@friendly__drone9352]

Nailed it

[@tutorialsartandvids7136]

@@friendly__drone9352Graham? 😂😂😂😂

[@HeyHarker]

Caleb's content largely deals with the goal of getting out of debt. It was great hearing about smart goals beyond being out of debt.

[@jks90768]

Yup. This is more how to keep business going and expanding vs personal finance. Caleb is transitioning to a business aspect.

[@jaredgates4310]

It's startling to see the difference between real professional financial advisors that happen to make KZbin content vs a youtuber that does financial content.

[@1aadam]

100% this guy was fumbling and fibbing. You can tell he hasn’t really really thought about many of the questions money guys asked

[@CalebHammer]

@@1aadamfor what it’s worth, those who have been watching my channel for a while that I personally struggle with forming cohesive thoughts. My brain knows what it wants to say, but I have a hard time translating that into actual words, so I’d take it with a grain of salt! Plus I love these guys, I was there to listen, not push back or anything like that. But OP, I tend to agree! I try to help where I can (where I’ve come from and what I’ve spent thousands of hours educating myself on these past 7 years or so), but Brain and Bo are the best of the best when it comes to the full spectrum of financial education on this platform! S tier channel.

[@SteveJohnson-ht6kv]

@@CalebHammerYou have the basics down but that’s not difficult. Some of the people you work with need help so far beyond your knowledge it’s scary. You may have noble intentions but damn, what you put out there is malpractice.

[@Treehandler]

@@SteveJohnson-ht6kvit’s for entertainment purposes but making millions off of less than legitimate advice is really concerning. Ultimately what he is doing is likely a net positive socially

[@emoney9931]

@@SteveJohnson-ht6kv Calm down bro. He's helping people for free. He's telling them how to do better than they are doing. He's fully qualified to do that.

[@maryangelica5319]

It's interesting how both Graham and the money guys are telling Caleb to put his main efforts into his business rather than his real estate side projects...

[@TeKnoVKNG23]

From what I've seen/heard, Caleb doesn't enjoy youtube(and has very thin skin for criticism on his youtube and reddit, doesn't like dealing with the people that can comment, etc.) at all and would rather do other things. He's just milking the content until the bottom falls out.

[@jroysdon]

@@TeKnoVKNG23- true, but I think he needs to figure out how to "grow" to like it. Maybe that is a slight content shift, maybe that's going deeper with return interviews, something that makes it "feel better" for him and seeing some success stories coming back. But the revenue is huge, so spend the time there and let the cash do its thing in the order of the FOO.

[@jacksonbilly9979]

Graham himself has 3 different shows that I know of. Caleb should 100% start his other show that he been mentioning and talking about how he wants to do. He has enough rental properties now at this point for where he is at, should focus on growing his business so he can have 10 million in his retirement and brokerage and then think about more real estate

[@Kevintendo]

@@TeKnoVKNG23 1:07:45 Caleb just said he likes criticism 🤔

[@TeKnoVKNG23]

@@Kevintendo The way his reddit is moderated suggests otherwise, lol.

[@druid5561]

People don’t realize that @CalebHammer isn’t a financial advisor. He helps average people / poor working Americans get out of debt. He gives them advice on emergency funds, debt payments, and basic retirement contributions, while breaking it down for us dumb people to understand. He never goes into the advanced discussions on individual / business investments and operations. He’s learning just as much as we are, he’s just a few steps ahead of the average American.

[@AliciaMcIntire]

"Don't do what you think rich people do; do what is actually making you money right now." This is so true. People need to play to their strengths, not just what some financial guru says. There are a lot of paths to wealth, and they don't have to include real estate or whatever the popular advice du jour is.

[@KitKat10281]

So true!

[@mthlay15]

It's like Caleb says to some of his guests.."YOU'RE NOT A CREDIT CARD PERSON", but just about being a landlord

[@kyotodreams3306]

Yeah this hit me hard too. All the big players I know did their own thing and just dabble in real estate.

[@wandaespana2577]

This is the best “advertisement” for the value the Money Guys bring to their clients. Really cool to see what they do in action as opposed to just watching their show.

[@thisisatrium]

I'm new to these guys ( not Caleb). It sounds like they want Caleb to think exactly like them. Everyone is different and I don't think they are respecting Caleb as an individual..a successful one at that. They seem like CPAs that put everyone in cookie-cuter money management plans.

[@tutorialsartandvids7136]

@@thisisatriumu an idiot if you think Caleb is smarter than them base on this conversation. Caleb is a bit delusional with that real estate ish 😂😂😂

[@JomerTB]

0:46 "I'm getting double-teamed financial audited. First time Money Guy's train being ran on me." Caleb has a way with words this was a hilarious comment lmao 😂

[@pat-orl]

And boy was it true

[@ben3308]

When you watch stuff like this, it makes you realize: Graham and Caleb are KZbinrs who know a little finance. The Money Guys are real finance professionals. Their candor, the depth of their knowledge, the confidence and mentorship with which they speak - they’re true advisors, not just personalities. Love Graham and Caleb’s content, they have great info, but Brian and Bo are true professionals.

[@benstanfill363]

Well in fairness to Caleb, his channel is mainly just trying to get people out of debt. He doesn't really talk about what's in this conversation, he talks about what he knows, which is getting out of a pile of debt. He doesn't pretend to be the same thing as money guys.

[@dianamcginley7718]

Yes, Caleb is "just" about basic personal financial advice. The Money guys have lots of letters - credentials - and decades of combined experience in personal finance, investing and asset management, business management and taxation. Totally different vantage points. Really great information!!

[@nodsib]

In fairness to Graham, I was extremely impressed with his audit of Caleb, I thought his advice was great… but these guys took it to a whole new level

[@cassnate6259]

Graham was more from the perspective of someone who has been through being a successful KZbinr whereas TMG are professional advisors. Both served a useful purpose.

[@peeonthe3rdrail414]

Graham pushed FTX on his viewers, I can't trust anyone that does that.

[@earthquake33]

Bo caught himself, he was about to say “Welcome to The Club” when Caleb announced he’s a millionaire 😂.

[@zacharyhutzell]

Just graduated college, I knew nothing about finances. Started with Caleb, now I watch The Money Guy too. Happy to share I’m debt free and engaged, getting married next year. So thankful to all of you. LETS GOOOOOOO, financial mutants rise up 💪🏻💪🏻💪🏻

[@AlexaVonSuess]

As a small business owner, this was one of the most helpful videos I've ever watched. Thank you to Caleb and the Money Guys!

[@TheAdnanSakib]

Even as non-business owner and someone who wants to get into business, this is still helpful for people just trying to understand finances in a real life situation.

[@MarcoEmeryLinden]

The crossover we all wanted to see. Thanks guys. There is so much junk financial advice online. Money Guy Show & Caleb are two 100% legit channels.

[@madbbqer4343]

Caleb, no. He has no financial background or education. The Money Guys lost credibility with this collaboration.

[@dondon3658]

@@madbbqer4343 how did they lose credibility? Did they change their stance? Did they give bad advice? Maybe, just maybe, they did it for exposure? Caleb gives good basic advice for his audience, The Money Guys give complex advice for the advanced crowd looking for any possible edge. Keep in mind that all advice doesn't apply to everyone. Dave Ramsey hates CCs - they are the most useful and safest ways to make purchases - some people just can't handle it. Finance is not one size fits all.

[@HeywoodJablome28]

@@madbbqer4343haters gonna hate us cuz they anus

[@wren_jo]

Great example of a good personal finance guy needing expert business financial guidance and some checks on behavior. Take the time to make wise decisions, weighing pros and cons logically, whether its personal or business finance. Great job Money Guys, and thanks to Caleb for being willing to do another self-financial audit. Y'all rock!

[@ericblackburn3131]

100%! Caleb feels like he's a trauma surgeon/first aid. Dealing with million dollar budget sounds so much more stressful....

[@kevinkanter2537]

good point - i also noted at end, as Brian noted during the interview, Caleb had the main points, his action items as well as actions to be taken by the end. I look forward to seeing if he is able to do the personally tortuous defer real-estate gratification and do the items which he agreed would be best to take. ... Dr-Patient or Advisor-Client relationship .... so fun.

[@sweetrain000]

These guys come off as genuinely kind and good people!

[@Pythonzzz]

The southern accent helps too, haha

[@kevinkanter2537]

yep - y'all - a lot of active listening and engagement by very knowledgeable people without egotism or snark.

[@peipeitan7557]

I'm really impressed that Caleb & Brian feel so much responsibility for their employees.

[@mightymouse9001]

They look like they about to drop the hottest mixtape of 2023

[@Sachi52]

No they don’t. Not really. They look like they do what they do.

[@mightymouse9001]

@@Sachi52which is drop hot tracks and accrue fat stacks

[@SteveJohnson-ht6kv]

Cringe comment

[@mightymouse9001]

@@SteveJohnson-ht6kv liked your own comment

[@SteveJohnson-ht6kv]

@@mightymouse9001huh? I didn’t like my comment but it is a good one! Thanks for playing

[@ViperST989]

I think Bo really shines on this video and you really see his expertise. He is sometimes reserved on the normal show and you can tell he really knows his stuff and knows how to be his client’s ally and strategist.

[@Wingullz]

Phenomenal episode - you guys need to have more shows like this one.

[@leilamcdowell4634]

Please do, your depth of knowledge was showcased in this video. Thank you

[@barbarakeyser6415]

I'd love to see them do this with other KZbinrs building their businesses...

[@PhoenixLowe]

I’m a devout Caleb Hammer viewer, and he introduced me to you guys, but I swear every time he does a collab on his channel the two creators just bro out the whole time and I can’t even finish the video. it’s not the high-quality educational content he’s become known for. Thanks for keeping it professional Money Guys I was hopeful this wouldn’t be like his other collabs and you didn’t disappoint!

[@greenlantern1986]

CALEB, please adopt the splitscreen. It's SO MUCH easier to watch than your constant switching back and forth.

[@CalebHammer]

I like it, I like it a lot... STEALING

[@MoneyGuyShow]

Yes, please steal it!!

[@KitKat10281]

100% agree!

[@paullopez2021]

nah, splitscreen is too old-school. makes me feel like im watching political debates on cable news. those extreme close-up shots of Caleb are hilarious, why get rid of them?

[@Velkiaownsthepwner]

​@@CalebHammerI like it, Picasso

[@LanK111er]

Hey just wanted to remind Caleb that he's doing good and that we, the audience, appreciate him so much. Haters gonna hate but the community will still be here.

[@DGregster]

It's so sad to see that Caleb doesn't enjoy his job. I can see how he likes his privacy, but the vast majority of his viewers love him and don't wish him any wrong. The few people that character assassinate him are stressing him out and I think he worries he'll run into those people in public. But I'd say it's worth those few uncomfortable encounters to have so much positivity coming your way from your true fans. Like he said he had 5 fans come up to him at dinner and he said it made his night...and probably impressed his date! Don't be scared of the limelight Caleb! You're good at what you do and we all think you're a good person, let your inner-star shine man! You worry too much bro!

[@caseyvancleve3892]

My 2 favorite financial shows on KZbin. I have learned so much between these 2 shows.

[@paigeaustin4790]

as someone currently getting an accounting degree, i genuinely spit out my drink when he said GOOGLE SHEETS

[@tonyc6996]

This didn't get enough attention

[@proarmy70]

Google is better than that Microsoft junk that never works

[@freeestyleobsessed]

Caleb, you’ve got 20+ years runway Your format will never die

[@sarahschreffler5407]

I think it needs to evolve or its going to get old. "You're not a Credit Card person" and people there not taking the advice -- it gets old after a time.

[@firefly9838]

@@sarahschreffler5407 yeah it will get old

[@bigbird4481]

​@@sarahschreffler5407you say that, but people still watch/listen to Dave Ramsey even after all these years

[@josepauig783]

Bo is an unbelievably eloquent communicator and I've never seen someone give feedback so well.

[@Kevintendo]

1:08 the laminated FOO just made me smile so big!!! I know this is gonna be GREAT 🎉🎉🎉🎉

[@spatty2589]

The Money Guys really showed their skills and expertise and Caleb was an excellent student that took NOTES! This was fantastic insights for us KZbin students. Thanks.

[@greenlantern1986]

Has someone told Caleb that not having an emergency fund is an emergency? As a business owner having less than 6 months of personal expenses covered is SCARY. Almost nothing saved for the business is REALLY SCARY!

[@SilverCpa]

Is it that surprising tho he has almost all of his net worth tied up in "rental properties".

[@nataliearciniega2103]

Wait (i haven't watched yet) Caleb doesn't have emergency savings!? He's always preaching this to his viewers 😂😂

[@SilverCpa]

@@nataliearciniega2103 this guys finances are SHIT.

[@pastdue7170]

​@@nataliearciniega2103he does just not so good on company side.

[@MoneyGuyShow]

Haha He does have one! But we gave him some new perspective on the future of his emergency fund. :)

[@bigasspockets]

I’m so impressed that his first biggest financial concern was making sure his employees were taken care of. Not common, and so so necessary

[@DallinBunnell]

This was incredible!!! Loved this episode. It felt like you guys gave Caleb some hard-to-swallow truths. I think Caleb would do a great job in Real Estate, but the wisdom of having deeper pockets/ cash reserves I think will help him a lot. You guys did a great job.

[@CalebHammer]

Agreed 100%!

[@KitKat10281]

​@@CalebHammerthanks for opening yourself up to another great audit!

[@calebboller]

I feel like Caleb has people on his show who are delusional to finances, and that is what makes his show worth wild is to see the dumbster fires and the come to Jesus talks. Although seeing someone like Caleb who is financially literate get audited by people who have much more experience is great to see. The audit of a "financially literate" person by a CPA makes for some great content. Keep up the good work :)

[@sarahschreffler5407]

I actually preferred this to the people who, by and large, are not going to listen anyways. And he makes the plan so strict it is most likely they WILL NOT SUCCEED. He needs to have those shows showing how to shop on the grocery budget he gives them. How to cook on it. How to keep yourself out of the gas stations. Advice viewers can use as well.

[@parkin5342]

Bo’s kindness while being persistent to ensure his client hears his point is great! I want him to be my FA one day

[@jonathanzimmer6831]

Ok first, big kudos to Caleb for promotion some serious, and fairly invasive transparency here. This was an incredible collab video and I'm so happy I didn't skip this one. Kudos all around guys. This was very informative to watch.

[@jakester2003]

We got both a "nekkid" and a "wudder". I love it. 🙌

[@MoneyGuyShow]

And several Warren Buffett references!

[@rhondavigil795]

I have no doubt Caleb is going to walk away from this audit with a list of things he will do based on Brian's suggestions. Max out the retirement investments. Get his company on a 401k plan for tax savings. Commercial real-estate. Pay yourself rent. Get a great tax advisor. Caleb isn't going to stop residential rentals. I don't think he should stop. He has a great thing going.

[@elistroud6519]

The CFA in Bo was laughing at that portfolio diversity 😂 Fantastic audit - very knowledgeable!

[@InvalidFingerprint]

"8 flavors of the same hot dog" 😂

[@watchesilyke3466]

Money Guy team showing what a real financial planning session looks like 😎

[@Littlemisslady6409]

With Caleb's concern for his KZbin channel flopping in a given number of years- I can tell you right now that I will DEFINITELY still be watching!! Just because we watch a years worth of content doesn't mean that's all the motivation we (people trying to financially educate and dig ourselves out of debt) need! It's going to take me YEARS to work on my financial situation. It takes lots of time and patience and sometimes there are hiccups along the way. I need Caleb to keep me motivated as the months and years go on because there's only so much information I can store away in my brain at once! Sometimes I'm so impatient for the next video that I have to rewatch old videos just to get in a good mindset to keep going! I can't get enough, Caleb! You have truly helped me and I've got a LONG road ahead of me! KEEP IT GOING!! Once I find a KZbinr I love, I'll watch them for decades, no joke!

[@thegreatsauna2347]

Facts I agree I will be watching this for years.

[@falconfighter08]

I really enjoy the detailed number review and deep dive and explanation on why the large amounts of cash on hand and such. This is a different outlook from Graham. This felt like a critique on the direction of the business and how to have the numbers to sustain it rather than the personal side like Graham. Loved how the FOO came out in this episode.

[@PlasmaKingSnake]

As a fan of both shows I absolutely loved this episode. I think the Money guy advice that needs to be incorporated the most for guests in Financial Audit are steps 1, 2, and 6 of the FOO, especially when it comes to what types of insurance you need before aggressively tackling debt and what type of retirement accounts should be prioritized. I’ve heard Caleb tell guests about the need to have health insurance, and pet insurance when applicable, but I have never heard him talk about disability and life insurance, which is scary to not have if they have family/kids. Same with retirement. I have also not heard him make sure that they are getting the employer match first (step 2) before tackling debt then prioritizing Roth and pretax retirement accounts before taxable accounts.

[@Rajathon]

Caleb might be around a place where he can start adding another personality to his channel to help him with content when he gets overwhelmed.

[@TheCarPassionChannel]

This was really cool to watch since even though Caleb is really helpful to people that are struggling, coming into rapid success brings a whole new set of challenges that he's not as familiar with yet so it seems like he got some really good advice.

[@evanvalencia7360]

Are you gonna collab with Caleb too?! 😂

[@the0nlytrueprophet942]

I just need to make a million within a year suddenly, and then I can apply all this knowledge 🙏

[@ramblinmama]

What a freaking wholesome conversation. Love all these guys.

[@Parzival634]

It’s interesting how they told Caleb that he is to nice to be a landlord. I think Caleb is 100% in the right for this. He is not naive of making money. But the fact that he wants to help lower end communities and treats people as human and is worried for them. I get that he is not maximizing his profits or returns but the fact that he helps his tenants no matter their own situation is amazing. We need more landlords who care and can help.

[@Whitebushido]

The Money Guys are huge on the oxygen mask metaphor. Take care of yourself and THEN help others. They even mention that they support real estate in the future but he needs to be significantly more liquid before getting in to that game, especially because he wants to be in these lower income areas that are more vulnerable to landlords taking a hit.

[@BradDiBenedetto]

I think Caleb has been so surprised at the amount of money he’s amassed in the last year that he was just trying to do a bit of everything. He’s great at helping people in really bad situations but he didn’t really know much about growing wealth once he had a lot of money (most people dont). He says all the time that he always takes advice from people who know more than him I’m certain topics, and I truly believe that he is going to take most of the advice he has received from these guys. That’s the main difference between him and most of his guests - he is humble enough and smart enough to listen to people who know what they’re talking about

[@Blitcliffe]

You can tell Brian is really an advisor and we don’t understand that creating wealth entails establishing positive routines, such as consistently setting aside funds at regular intervals for sound investments. Financial management is a vital subject that many avoid, often leading to future regrets.

[@FirstName-rt9uf]

Excellent conversation. And I feel Caleb is so mature and logical, that he's willing to listen to some advice from some of us 'older dudes' that have seen and experienced some garbage, that truly just want the best for him.

[@karlettathirkill9712]

I would love to see a follow-up show after 6 months or a year.

[@Daniel.Walker]

It’s so interesting to see that Caleb keeps returning to the minimum possible in his estimates - still very much thinking about survival arrangements most of the time

[@Draggonny]

It makes sense given his background. As much as he'd enjoy a life of luxury, his main priority is keeping his head above water. It's a sensible plan. Lifestyle creep is a killer so knowing what you can survive on if shit hits the fan is important. Having contingency plans can make the difference between surviving and thriving. If you have more than the bare minimum then so much the better. Enjoy it while you can.

[@letitiahunt3696]

I think he also doesn’t want to lifestyle inflate himself

[@shelbybrackett3860]

Can we take a moment to appreciate Bo acknowledging their own biases? The Money Guys are the best. ❤ Loved this collab! 👏🏼👏🏼

[@nicholasmartinez6043]

I wonder if the money guys would provide financial audit services to regular folks who aren’t sure if they want or need full time financial management. They did a great job with Caleb!

[@jeniececooper1261]

This is my favorite money guys episode ever! I would watch you guys giving financial advise to individuals all the time. I love when you give financial advise to an individual because then I get to learn more about the minutiae. Please tell other people what they should do with their finances, pretty please! If one of your employees or clients was willing to share their finances with the world with you fine-tuning things that would be amazing. Or you could do it charitably for a viewer! Also I would love your favorite financial book recommendations list. Thanks again for an awesome episode ☺️

[@stevenrburgoyne]

Watching this episode really makes me think I need to have an outside person review my finances and tell me what I am doing right/wrong.

[@BoBandits]

If you bank at a retail bank. They will have someone who will sit with you and build a plan. Sort of.

[@ghhm2705]

Dave Ramsey’s site may have recommendations in your area for financial auditing. A retail bank would be the last place I’d look. They make lousy wages, very little training and most are in no better financial position than the average American. Not to mention they need to cross sell. Another idea is ask local successful business owners, or ask older, successful friends or family who they got advice from, or ask at church.

[@dreamchaser5758]

A heartfelt thanks to The Money Guys and Caleb for this collaboration. Caleb was incredibly courageous and brave for being so vulnerable and transparent. My key take aways. Financial momentum and bandwidth are very real. Our daily choices can easily and unknowingly disrupt both. Don't plan for a bare minimum life. How can your money support the life you envision? Cash gives you leverage. Value your time. True sustainable wealth is not about gaming rewards and other finance offers, zero interest etc. Mindset can often lag behind even once your income/revenue has exploded. Best wishes to everyone for a healthy and prosperous 4th quarter.

[@zachbyers7111]

Best episode ever !! This was waaaaaay more productive than the one with graham. This actually had good points for everyone! Thought Caleb is very successful % grow with the person!! Great episode!! ❤

[@cnewton6527]

It is the best. I’ve already listened to it twice.

[@sharonoddlyenough]

I think Graham's episode had some good points too, but the focus was different.

[@MsUser0007]

Been seeing Money Guys pop up but didn't really watch until this collab. I definitely will be going on a binge of money guys next when Im finished with the financial audit binge!

[@seamusohoulihan8076]

Totally worth it. Their content is absolutely fantastic and very insightful.

[@jasonlee22]

It’s great to see you guys in your natural habitat of working with a client.

[@darrendemis7878]

This was well worth the watch. Caleb, keep it up man. Also, I genuinely enjoy it when people can be open and honest with their struggles and successes in regards to finances. The Money Guys are so awesome! Love what you guys do. Keep educating and loving what you do.

[@susannapichula9947]

I have to say that Caleb's financial audit videos have definitely helped my husband and I re-look at our finances and redo our budget. Thank you money guy show for having Caleb on your show. Such an awesome video.

[@acuadras12]

Too nice to be a landlord? Nah Caleb dont change! We need more people like you! 👊💯 Genuine good people.

[@adriennecruz3843]

Caleb, I suggest you keep the rentals as a hobby since it sounds like you enjoy them. Also they address a need you seem to have. Also it's a good way to learn about real estate, which hopefully you can integrate into your financial audit advice. All the other counsel was pure gold -- thanks to the Money Guy.

[@bryan8638]

This was so interesting to watch a high income business owner audit, while new perspective and different concerns

[@carizley]

I loved this audit. It's so useful for not just self employed people like Caleb, but also for those with some extra income. And I like that you held Caleb accountable for his percentages.

[@RocketRenee46]

I couldn’t wait for this show and it did NOT disappoint! Love to you all! I usually don’t like videos this long, but I enjoyed every moment! “Ello. I’m Mogan Freeman.”

[@knowen87]

" Eight different flavors of the same hotdog" That is great. I am going to start using that!

[@lisawilliams8073]

I wish Caleb had asked them about paying off his student loans since he had the money to do so and what they thought about him investing in the franchise.

[@NikishaGR]

He did tell them that he decided not to, so that's maybe why.

[@Esther-uo7fs]

Greatest crossover of 2023

[@dhamn7027]

I think my favorite thing about Caleb is that he asks questions and actually wants others advice as well.

[@kristiansims]

It’s interesting to see the guys help Caleb transition from thinking like one of his clients to thinking like a successful business owner. Many of his answers were about cutting back and handling emergencies, because that’s the advice he gives, but their advice was about preparing for opportunities and growing. Different strategies for different situations.

[@KurtisB]

Awesome! Been subscribed to Caleb since he was around 15k subs. His blow up is CRAZY! Good for him. 👍🏼

[@EVILUNITEZ]

He popped on my Tik tok fyp and thought he was another guru, i looked at his channel and subbed below 1,500 subs and have been there since but the content is slowly getting staled

[@eldogg4life]

Damn, Bo killed it. Super impressive.

[@libbysworld7649]

This is absolute gold for us trying to establish a baseline financial structure. Thank you for putting this together. Love these guys! All of them!

[@kyliecallaway5273]

What I love about this is that Caleb often helps people with where he has been and is trying to navigate what is next and now the moneys guys can help with that!

[@MelissaEdwards86]

This episode was amazing--definitely one I will be watching again to slowly digest. You both have great interpersonal skills--I'm sure honed by a career as a financial advisor--and I would love to see more "elevated" financial audits discussing specific money strategies for people on their way to success. It was so much fun to listen to.

[@markboccia2433]

You can see the difference between the money guys and the Graham video. Money guys have so much knowledge, information, and experience. I feel like I learn way more from them

[@seandjr]

This collab ( or "co-leb" 😂) just shows the true class of Brian and Bo and pure authenticity from Caleb. The MoneyGuy show and Financial Audit are a true inspiration to all those trying to live their best financial lives! I am starting to see so much content on youtube that is filled with bias, hate, and driving people apart (especially the youtube shorts). These guys genuinely want the best for people and educate viewers to become their best self not only fiancially but as individuals too. Anybody that could throw online hate to people who have intentions to help others improve their lives are shameful but they'll never dampen the movement that @MoneyGuyShow and @CalebHammer have started!! Thank you for what you do MGT and Caleb! So many people are better off for watching your shows!

[@Merritt_Life]

Awesome to see behind the scenes of real financial advisors and not just KZbinrs

[@aubreyrichardson8531]

Certified Quickbooks Online Advisor here 🙋‍♀️I volunteer as tribute to educate Caleb about Quickbooks 😂

[@ZacheryKoppert]

@CalebHammer I don't think you said taquitos once this whole video. I'm shocked! haha Great to watch you grow and learn in this video.

[@rinterasaki711]

39:00 Caleb is a really good person. We need more landlords like him!!

[@googi3501]

I just watched the audit you guys did with Caleb for Joseph - would love to see the Money Guys do their own financial audits!

[@metaltera86]

I literally cannot wait. I wake up to coffee at 6:00am and this will be a cherry on top

[@GarrettCarr916]

I can sense so much respect and kindness between you guys.

[@colinschubert4018]

Tons of value in this! I’m in my first year of my own plumbing business and found the advise given to Caleb very applicable to my own situation. Thanks!

[@wealthbuildingstory]

This content is superior 🔥 You can clearly tell the Money Guys are professionals

[@joseCalderon1976]

Absolutely BRILLIANT. Having 3 of my favorite content creators all at once. And then they talk about real life situations with Caleb.

[@Wenisssss]

I absolutely agree with the idea of commercial real estate over residential. As someone whos worked in commercial lending for the past 15 years, commercial real estate over residential 100x over without a question, every day of the week/month/year.

[@pappy924]

I enjoy watching Caleb and Graham. This show confirms why I love the money guy show and why probably long after G&C have moved to other endeavors, I will still be watching the money guy show and their abundance cycle.

[@isiah675]

Clips pay the bills yadda yadda but the slowed down, long form content from brian and bo are just a tier above. Great work.

[@pahkjeemean6461]

I started with watching Graham a couple years ago, then found Money Guy after about a year, then found Caleb when he was still veryyyy small. Like there was only a few episodes out. When I first found Caleb, I LOVED his content but I never in my wildest imagination would’ve thought he would collab with Graham and the Money Guy. Love that for him!! Keep it up guys!!

[@jacksonbilly9979]

Money guy show, have you considered asking Humphrey yang on your show. I loved this Caleb episode, but I also watch Humphrey yang too and he is very smart and clever and. I would absolutely love a episode with him also. You don’t have to do an audit, just do your thing and have a conversation with him likes he’s a close friend like you tend to do. I love you caleb, and Humphrey. You 3 are my go to people.