The Stupidest Car Debt I've Ever Seen | Financial Audit

[@TOXIC-jq3ry]

"im getting into the weed industry." "What does that mean" "Im the customer" is the correct answer for this man 😂

[@juditharsenault2131]

NY is suspending growing weed for profit. Not sure why. All those farmers who grow medical marijuana or weed to sell in dispensaries and have invested in equipment and infrastructure are going to lose their shirts. My son worked for a hemp farmer during harvest. The guy planted mostly weed this year. The funny thing is they're dragging their feet on paying him from last year's harvest. At least he can still grow hemp and sell it.

[@SKetChy7100]

“Is that your mom?” “No,that’s my girlfriend” 😂😂😂

[@misslola145]

What’s the time stamp?

[@MarcoOlivares92]

​@@misslola145 31:00

[@codyziegler9388]

I absolutely lost it at this part haha

[@WhatIsThis-zq4hk]

Fucking brutal.

[@pissip]

That's gotta sting

[@markboccia2433]

You should do a financial audit for the federal government

[@lovemacheen9189]

Idk, we all love Calebright? I Don't think the good ol guberment would look kindly on him snooping around their spending. Good way to come up missing.

[@TheRealE.B.]

"Well, you spent $5,000,000,000 to make sure that starving children didn't take too many food stamps, but you only spent $2,000,000 to go after $100,000,000,000 in billionaire tax fraud. Also, a lot of your infrastructure projects seem designed to be welfare for big construction companies rather than attempts to build useful things that will make citizens' lives better. And you could probably just cut middlemen like TurboTax out to let you either raise taxes or save your taxpayers money."

[@darex0827]

IDK if he'd live through that. His blood pressure would be over 9000!

[@JDSanders85]

Haha that’s what the Office of the Inspector General does. But if you do please start with the VA.

[@barkydarky-op4jx]

@@JDSanders85 apparently they don’t do a very good job

[@justine8344]

Yay 😊😊 we’re being spoiled with new video everyday 😊😊👏👏👏👏👏👏👏👏I’m purposely watching EVERY ad so you can make money and make more videos everyday Caleb 😂

[@Izael1701]

I'm a vet myself... there is something not adding up with his disability payment. For a disability of that level ($3,000+/month) that means he has a disability rating of 100%, or near 100%... especially in a low cost of living state like Oklahoma. In other words, he has been deemed by the VA as unable to work or a potential danger be around others. Now, he could have sleep issues (sleep issues is usually around 50% immediately - VA states that sleep affects the entire day) but he's either not telling the entire truth, or he's hiding something. Especially if he was a marine stationed in Japan... a country that we are allied with... ie, he's not getting shot at. I'm not saying he's a s***bag but something doesn't make sense. I know several veterans who are 100% disabled, but they were combat vets with multiple purple heart awards, or had been on multiple deployments to the Middle East (not Japan of all places). Something tells me he is milking the system... as many veterans do after they get out. I'll leave it up to each individual veteran to determine for themselves if they "deserve" a certain disability rating. After that 8 minute mark, I had a hard time really measuring how "bad" his financial situation truly is.

[@nly4607]

He is 100% a pos like 99.99999999999999999% 9f thugs with face tattoos lol

[@2011blueman]

I'm saying he's a shitbag that's committing disability fraud. That story was absolute bullshit.

[@RandomGuy-sr9pk]

Wish there was a way to revoke his shit, what a joke stealing money from people who actually need it

[@nly4607]

@@RandomGuy-sr9pk Then he would just mooch off the benefits of the girlfriend who looks old enough to be his mom

[@TrueGritLive]

I agree with almost everything you said outside of "I know people with multiple purple hearts" No, you don't.

[@pilotoblackbird433]

Caleb is absolutely killing it

[@CalebHammer]

Thanks!

[@Dayelizavbeth]

Kaleb I literally love your channel. Thank you for being you. You have changed my mindset & changed my life. These are conversations I never had with my family growing up.

[@krissykay7940]

Thanks for putting these out, Caleb! I just started watching in the last few weeks, and I've been meal prepping, canceling subscriptions, planning my emergency fund, and figuring out how to max out my HSA and IRA. Helpful to hear "bullshit bullshit BULLSHIT" when I'm about to spend on something stupid lol keep up the great work!! You're much appreciated!!

[@chaselesser3191]

I had the same “Why” as Caleb. If the parents want to help out. Just ask to split the bills or food. $1300 is STEEP for their situation. But I hope he does well. Dude has been threw some things. That he wasn’t prepared to handle.

[@courtneya2207]

Yes that was interesting to me too.. I don’t know all the details but I don’t exactly approve with the info we do know

[@joshparker5779]

I really like that spiel Caleb says like "you're not having fun that costs money. If you guys want to go have a dinner that's fine. She can pay for it. You're getting out of a debt hole. So you do not spend money on fun. You can have free fun, or someone else can pay for it."

[@johnathanvale8634]

WHAT? that is a crazy income for disability. I didn't know veterans got paid that much in disability

[@luisalvarado9904]

Not to mention tax free

[@morningsalute03]

It's crazy. Everyone I know get some kind of "disability" from the military. A friend of mine rolled his ankle during basic training. was able to complete his 6 years and got 50% disability which is about 1900 a month for the rest of his life.

[@jxnooo]

@@morningsalute03 its definitelty not 1900 a month

[@johnathanvale8634]

​@@jxnooo to be fair, inflation adjusted, 50% of $3800 (what this guy is getting) is $1900 a month. That checks out

[@jxnooo]

@@johnathanvale8634 VA disability isn’t paid by 50% of 3621 it’s some weird ass VA number, because ✨government✨ edit: just checked disability on VA website it’s $1k

[@mariguzman7752]

Just started watching your videos Caleb… your interviewing skills are AMAZING! Thanks for teaching me lessons every episode… I’d be terrified to be on this show 😂😂😂😂😂😂

[@discr33t]

I am a former US Marine combat wounded- 2nd Battalion 6th Marines deployed to Marjah Afghanistan yada yada…his not telling the whole truth on his “disability” he is getting Total Disability Individual Unemployability Benefits for PTSD..meaning he doesn’t rate 100% disability like I have because of my wounds..he has told the VA he cannot work due to his “PTSD” because there is no chance the VA will give him 100% disability on his version of events that caused his PTSD him being robbed in the civilian world has no bearing whatsoever on his rating in the VA. He says it’s lifelong no it isn’t, the second he starts to work the second they take it away since he is now able to work I believe he is lying about how bad his PTSD is..say what you want but he doesn’t rate 100% disability and he doesn’t get that so he told the VA but I can’t work because my PTSD is so bad so they then give him IU and I believe his the type to get a job and still collect IU because who doesnt want a free $3823 a month..he must have a child or a wife since you get an extra couple hundred for that to achieve that amount. Yes, he might have gone through shit but I’m sorry I watched my boys die, my best friends lost limbs, and much worse and they can’t hold a job at all so they get full amount…this clown gets beat up because I bet you he was a piece of shit marine and is now using his little “I got chocked” like a pussy to live on without needing a job..he knows once he gets a job he has to inform the VA he has a job..I know multiple combat vets with PTSD that don’t have 100% rating solely because of PTSD…it’s very hard to get..he probably has a 20-30% rating because he didn’t see combat at all..nothing wrong with him so he again like I said didn’t like the rating he received because if he was 20-30% that’s 350-1000 bucks so this clown tells the VA oh my PTSD is so bad I can’t work but wants to work? Clown

[@cheesecurd100s]

I'm always curious as to how restaurants stay in business, but this show has shown me. I grew up in a small town with only one restaurant and no fast food so going out to eat has always been a silly idea to me

[@doriskurzz1798]

Just caught myself wondering where I should put the thousand dollars I saved last month since I've been watching Caleb! Emergency fund baby!

[@FutureDreamZz]

Let’s go doris where did you put it at

[@meggggg]

🥺 I'm rooting for you Taylor and Louie! What a sweet guy, he's been through it but he genuinely seems to be trying to turn things around! I hope he comes back with a happy update! I think this is also the highest pitch I've ever heard your voice Caleb 😂

[@zdwade]

100 percent disabled driving a Harley. Lol. Makes sense.

[@ArmadilloAl]

You really have to admire Americans' dedication to sparing no expense to make American streets as dangerous as possible.

[@AliciaMcIntire]

Bro, you could buy a 2019 Camry and keep it for 10 years. This truck is insane.

[@Bubbles11202]

Not me realizing he’s uploading DAILY now 😌 I’m so glad I really want to be on this show but at the same time I’m too embarrassed rn to reach out 😭

[@thegoats20]

I grew up in Oklahoma. I now live in alaska, but the running joke is that there is now just as many dispensaries as churches. If u wanna live good n cheap, Oklahoma.

[@lawabidingcitizen5032]

He got in 1 little fight and his mom got scared, now collects $4k a month or $50k a year!!! Wow.

[@Ldrago9262]

Driving the Harley everyday would kinda be fun. I don't think Oklahoma gets winter so unless it rains it's got to be great

[@Hayato-DeL]

Man, I feel so bad for this guy; I hope everything works out

[@dukewellington7050]

Why do you feel bad for him? He collects $3800/month from taxpayers because he was too lazy to get to his truck driving job on time and clearly another marine had had enough of him. And now he wants to trim weed plants for a living. I'd say he lucked out. He gets paid for being lazy.

[@TioMogi]

@@dukewellington7050 exactly, bro basically hit a $2m jackpot...

[@Hayato-DeL]

@@dukewellington7050 PTSD and mental health issues is not a joke; I’d take a step back and really assess the situation.

[@aaronkelly3035]

@@Hayato-DeL you must have never met people who were discharged from the military. You have no idea how easy it is to manipulate va disability and get paid. Also civilians underestimate the amount of shit bags in the military

[@dukewellington7050]

​​@@Hayato-DeL PTSD from what? Its not like he was taking shelling in the trenches. He got his ass kicked by a friendly for being late to his delivery truck job on base. YOU need to take a step back. Stop being so naïve.

[@jeretso]

Truck makers are price gouging and people fall for it so easily. They discontinued sedans so they can concentrate on the truck arms race.

[@allisonmiller4315]

if he gets the 3823 per month, that means he is claiming a dependent. I'm not sure if it's because he has a kid he is claiming, which would still be a different amount, but if it's for some reason his ex wife, he needs to get that fixed because the VA is going to expect all of the difference to be paid back. If he was getting VA disability for just himself, it would be 3621. The amount he is getting just doesn't make sense.

[@sabrinahebert7885]

I thought about it, too. I'm a SPC and I have 4 dependants and get about that amount.

[@Liam-1066]

The military star card ... I knew some people who damn near ruined their life with that thing! 😂

[@Willizxy]

This channel has majorly helped me refocus what I should be doing and got me on the right track. If you accepted calls from people abroad I'd happily, jump on this.

[@danpearson3099]

Trimming jobs don’t pay much. On the West Coast the going rate was $100 per pound last time I was there

[@hedgiegal3340]

Such a sad story, this guy is paying for his parent's mistakes and in their 60s they are unlikely to change. He has a good heart.

[@chachisadventures3378]

I feel for this guy. Sounds like he went through a lot in his life. I hope he can get all of his debt handled and get mentally strong.

[@mattchu42069]

I feel bad for this guy thinking trimming is gunna be easy work. Thinking he's gunna breeze thru it everyday no issue... It's tougher work then people think

[@verynaomi]

“Is she your mom?” “no, she’s my girlfriend 💀”

[@chaselesser3191]

For Truck/Bike/Insurance he pays $1700/month. There is his life back, right there.

[@sickofnelson]

Love the grind man, always here M,W,F listening from work 🔨🔨🔨

[@caddydax]

Wait so he’s living on disability… can he work without losing his disability income? Isn’t there restrictions on earned income once you earn disability?

[@NikkiJ20]

It depends, but for the most part you can work and receive VA disability compensation

[@caddydax]

@@NikkiJ20 ah ok I know on SSD you can only earn up to like $1k a month or something like that.

[@elperronimo]

Bros greatest fiscal accomplishment was getting beat up

[@FordZda]

I got a 2017 ninja 300 when I was 18 at 7.99%, drove it 6 months a year for fuel economy and drove my 99 ranger when the weather was bad in north Dakota. It built my credit and I got 4.99% on my new vehicle when it was time to upgrade. Ride that Harley man life is an adventure on 2 wheels!

[@mya5582]

Now Caleb almost knows what it’s like to ask your junior Marine about their finances

[@wildcard2219]

Once he gets out of debt he will be living his best life.

[@MrChiki1911]

Dang I remember when you had less than 15k subs. I really enjoy all of your content. Are you planning on having any more follow up episodes? Also I crashed my truck and have been using my motorcycle for daily transport for more than a year now saving up money to buy a cheap new car. Shopping is a challenge but its totally possible I use a duffel bag and saddle bags plus a backpack to go shopping. When I purchased my chest freezer I rented a truck from home depo to bring it home. My insurance is 75 dollars for the year and gas is 25 for the month. I only want a car for when its below freezing now and shopping. I don't mind the rain. The only thing is maintenance is more expensive or time-consuming depending on what you choose.

[@chefchefchef]

OKLAHOMAN HERE!!! I love the low cost of living lol

[@Rocket9944]

I was there in 1996 is it still a strange place?

[@chefchefchef]

@@Rocket9944 actually metro area has been booming ever since we got a professional sports team, city even has a giant Central Park now

[@GabrielMartinez-sd8pc]

While I can see someone getting chewed out for being 3 minutes late, but I want the SGTs perspective on what happened.

[@MrSteelermaniac]

Recommendation maybe some of these clients with serious car debt. How about putting the vehicles on TURO! To offset the payment. Use the truck for hauling trash, furniture etc.... Just a thought! Finally a person that is listening and taking notes to get rid of that truck. Kuddos to him!!

[@The_Man_Welding]

Lifetime disability smfh. Hate to say it but what a burden to the taxpayers.

[@natanaelonate5193]

If he thinks $300 for a tire change is expensive for a smart car he has no idea what itd go for on a truck

[@dustinseth1]

If I had 3832 a month for free I wouldn’t need anything else man. Be hard chillin

[@cupofjoe2562]

Is it just me or does anybody else watch one of Caleb's videos when you want to impulse purchase something 😂

[@loiscokeley9410]

No but that's a good idea.

[@kevinfoy493]

dude buys a $50K+ truck and defends it because it will last 10 years, like $25K cars don't last 10+ years

[@eugenegutierrez5106]

15 apr rate ouch. !!! Lose the truck Caleb is correct interest rate on that it’s absurd! Out of 1000 monthly , I bet his paying on $100 towards the principal. Plus house emergency just incase something breaks.

[@flamingRose100]

yo i'm sorry hold the phone i bought a car and am currently in debt with it but working my way out of it but 300 bucks for a tire change that's nothing as someone who works in the automotive industry i can assure you a tire change on that truck is 300 bucks a tire all day and i'm assuming he went 4wd or awd meaning if he wants to use the 4wd without it being all wonky he's gonna need to replace all 4 tires at once this man is clearly not married because my wife would fucking kill me if i did that

[@vwkitty]

I can’t imagine that tires for a Smart could cost more than for a Ram. I wish Caleb had pressed that logic more.

[@EricAlmighty]

I imagine myself being on this show and I get more confident in my abilities to do that every time I watch a new video

[@evernolasco19]

These videos inspire me. Gonna be completely credit card debt free by the end of April. Then just need my student loans and I’m officially debt free. But I haven’t been credit card debt free since I was 20 😭

[@fastm3980]

How old are you? Before you turn 40 make sure it's all gone.

[@evernolasco19]

@@fastm3980 I’m 23, and I’m officially credit card debt free since last Thursday 🔥 started tackling the student loans too

[@libertarian4323]

No money, no job, and he buys a $50k truck? WTH? I've never spent that much on a vehicle, and I'm a millionaire.

[@Sar-ahG]

An ounce is not worth 8 hours of tedious trimming… even if it’s under the table

[@apjapki]

I wasn't even planning on getting the truck that day? Dude you were doing a credit check in a RAM dealership

[@carrisav]

I’m from Hawaii, the land of Toyota tacomas…. Here to chime in and suggest trading out the Ram for a slightly used Toyota Tacoma that should last you 20 years 🤙

[@serv-on]

Ptsd? What a scam artist. This is why people don’t believe actual soldiers that did real service.

[@Moriningland]

This is shady. He drives a truck for the military and has a couple unfortunate events and now the government is subsidizing his life? He ostensibly has no house payment since he charges his parents almost the full mortgage (that’s not right) and he’s driving around in a new truck and a Harley? That sounds like fraud to me. He seems nice but what he’s doing is wrong and he needs to change it. He’s insanely lucky with the situation he’s in (a lot of people have hardship and don’t get payments from the government for it) and he’s totally squandering it. With his disability and his mortage, he should be on easy street

[@blackmagic527]

Unfortunately the easiest customer to take advantage of is the one with good credit who don’t know any better

[@riku3716]

Yet another example of the cost of building cities car dependent. If he lived in a sensibly built city with store in walking distance and proper public transit you could just say sell the car and sell the bike and not worry about getting another one, not even think about one before clearing the debts.

[@anakitasmiles3261]

PSA for everybody: Cars last for as long as you care for them. Unless you're driving like 30k miles a year, a new car should last you a good 20 years (i.e. 300k mileage)

[@Ervin1ma]

HOW TF DOES A $300 tire change justify $55,000 ?!?!?!

[@tex7278]

It’s crazy when you recognize someone from real life in one of these

[@nickdavis7520]

He's playing the system and that's all I'm going to say.

[@2011blueman]

I'll say it, this guy is committing disability fraud. There is absolutely no reason he should have been rated as 100% disabled for that Okinawa assault nonsense story, and the reason that he's trying to be a marijuana trimmer is because they pay under the table in cash so he won't lose the disability payment.

[@edt973nj]

Hes a bullshitter fr

[@megafraneldelavaina9113]

Confusing your girlfriend with your mom is craaazy💀

[@teagues6660]

i suspect a big reason he is not jumping back on a truck is that he doesnt want to stop smoking weed. he could do it, but he would probably have to wait several months before even thinking of getting his cdl reinstated bc they will test urine and hair, and then he would be subjected to randoms

[@tubaboytom]

Me in the taco bell bathroom while the burrito is obliterating my guts like 25:10

[@dickbaum9137]

I always get so confused by people buying brand new cars with insane interest rates. What is wrong with driving an older cheaper car in people’s minds?

[@Thelonesomerebel]

Alot of people see it as a social status, if I have a new car people will think this of me so they go horribly into debt just to get approval from people they don't know lol

[@Dis_is_fine]

You really gotta give it to Caleb for his youtube consistency, wow.

[@adamseidel9780]

Dude is striking the hell out of that red hot iron

[@berri6015]

Seriously a GOAT

[@williamedward3198]

What are you, a bot?

[@brycereid7047]

Caleb just got himself into some bad debt is working overtime to pay them off. I just saw him behind the counter at Panda Express.

[@laminage]

​@Bryce Reid Go on! Caleb needs to come to Canada 🇨🇦 lots of folks could use his help.

[@adrianrodriguez4765]

So since watching Caleb I had 12k worth of credit card debt and now down to 3k of debt these videos keep me on the right path

[@adamseidel9780]

Way to go, keep going man. Think of all you’ll have to invest and reach goals soon.

[@ITSMINECRAFTTIME32]

Same I had about 1800 on my 3 CC and paid them all down to 0 this month

[@censordeez]

Same here. Idk what it is that triggered something in me (probably when Caleb’s blood pressure goes up) but I’ve knocked out all of my debt and am working on my credit now. It’s up over 60 points in the past couple months!

[@kirkpritchard]

That’s awesome! My wife and I had about $100k in debt. 🤦🏻‍♂️ I’m actually working on a video about it lol.

[@1juliasana]

WOW 👏 CONGRATS

[@nytheprincess]

Me and my husband would joke about being too lazy to change tires so we just buy a new car… this guy took it forreals 😭

[@fishdeeck71]

Meanwhile, I HAVE to change tires twice a year...

[@13isa45]

It made no sense either because a nice set of tires for the ram will cost just as much or more😂

[@clanwargods]

@@fishdeeck71 Right 😂😂😂 the justification is wild lol

[@keisakura9014]

@@responsibleaccount3918 - as someone with a Smart Car, the maintenance isn’t all that high. My last tire replacement was about $350, but that was because we replaced the rim at the same time. I also provide my own parts so I don’t get hit with the shop’s markup. 🤣

[@mister-amazing]

Those trucks only last 10 years? My 15 yr old yaris runs like new!

[@willb9259]

I always wondered how people were affording $70k trucks with a $1000 monthly payment. That's crazy fr

[@cowboys4lyfjv591]

Yup everyone just keeping up with the Joneses

[@conrado800]

Plus the gas money and insurance… I’m so happy to drive a paid off electric car that I charge at home for 2-3 bucks

[@frankc.astle214]

I actually know someone that pays over 1k a month in just a truck payment. He tries to get me to buy a new truck like him and I just laugh it off. I don’t need those problems 😂

[@ramonhernandez571]

@@conrado800yeah but then you got to drive electric 🤣

[@conrado800]

@@ramonhernandez571 yeah but then I don’t need oil changes 🤣

[@BirdieMac]

This channel came along at the just right time for me and it helps me a lot because regarding financial choices, I always think, "how stupid would I look on Financial Audit?" Thanks, Caleb.

[@CalebHammer]

Thank you!

[@yourgoodfriendkit]

Me too, I just found this channel like a week ago. When I'm about to swipe I hear Caleb saying "Your interest rate is disgusting!" Lmao

[@janelleg597]

Good choices pay off😊

[@JuliaMarieH]

Fr, I brought a lunch to work today and I almost ditched it to get tacos but I decided against it because Caleb would yell at me for spending my money on bullshit 😂😂😭

[@brandonquinn3879]

I think like this all the time, blessing and a curse lol

[@codyziegler9388]

Dude said his income was plenty to live on and then has thousands of credit card debt and 60k debt in vehicles. What a crazy episode!

[@lot2196]

Yes. Insanity. Needs to lay off the weed.

[@erinkerbs6789]

I meet a lot of people like this who are or were in the military. I don't know why they think this is ok.

[@challajuzalei6126]

@@erinkerbs6789 sometimes the military is the last option or only option for people. Generally this includes people who have little to no financial knowledge due to their upbringing. It’s sad, but not surprising that many times we find veterans are bad with money.

[@erinkerbs6789]

@@challajuzalei6126 I do think that's part of it. My husband went in for this reason, but he wanted to learn to get out of the mess his family was in, not make it worse. On the other side, debtors prey on service members. There are car lots, check cashing places, pawn shops, and more just off every base, and the Star Card and other debts from the BX/PX and others on base. But the military also has classes on finance like from Dave Ramsey and Suze Orman. They also have the TSP for retirement which is one of the cheapest retirement options on the market. Also, healthcare is almost free for them. I think there are a lot of reasons there are so many military members and vets in financial trouble.

[@challajuzalei6126]

@@erinkerbs6789 oh, absolutely! I think we agree on a lot here. I’m glad your husband was able to learn and not fall for the traps that many veterans fall for. My dad is a similar way. He grew up poor and the military provided direction for him. He already had a scarcity mindset going in (which your husband likely did as well), so I think that also dictates much of his financial behavior. I think that all I was saying in my comment is that people like my father and your husband had a foundation of at least fear (I don’t want to go back to xyz) that drove them to financial success. Unfortunately, a lot of people that come from that aren’t able to turn it into something positive. As you said, when the debtors come and they are able to provide that feeling of “having something” it’s often time’s irresistible to people like that. They didn’t have anything for so long, so now the idea of having a nice car or whatever the purchase is draws them in.

[@jaad9848]

I can't believe the sergeant caused a lifetime worth of disability payments for the taxpayers over being 3 minutes late, that's completely unhinged

[@blary5298]

Yeah what the hell happened? $3800 a month is a-lot of money.

[@OGcynicalpotato]

Tbh sounds like there’s more to the story

[@elicash315]

All military dudes are now taught to get as much disability they can before they get out. Warranted or not. Total bullshit.

[@leahmcdermott4189]

It’s not always about money, what about mental health? I’m a taxpayer too but idc about the disability payments. Trust me, our tax dollars go towards far worse. My first thought is I can’t believe the sergeant caused a lifetime of trauma and PTSD for someone that was trying to serve his country. Have some compassion 🥺💔

[@thegreatgatsby9583]

Marines are unhinged… lol

[@alk672]

The dude is in and out of a mental facility, divorced, no reliable job, on a permanent disability - and still he's somehow doing better financially than a lot of people.

[@JtSpade]

He gets paid 43k a year (tax free) just to wake up. No property tax, no vehicle registration, no co pay for insurance etc... it's a lot of benefits that come along with 100% VA Disability

[@A1223-v4i]

Makes you want to join the Marines right lol

[@JtSpade]

@user-es3zu5zd1g been one since 2001. 😎

[@hondofitty]

f-no, no blood for oil@@A1223-v4i

[@87clits]

VA is rewarding this kind nonsense.

[@salimrandall]

Every month I imagine getting audited and yelled at by you. I’ve curbed my irrational spending and stopped eating out. Thanks Bro.

[@preciousgem881]

Me too! Caleb is the voice of reason in my head 😂

[@jonnyp5252]

Shew! I thought I was the ONLY ONE....who hears him IN MY HEAD when I put ANYTHING on a CC.....😂❤✝️

[@Explorebotanicalbeauty]

I do the same thing and it’s kind of hot 😂

[@Kingolimar354]

@@Explorebotanicalbeauty wdym hot?

[@crystalbrown4158]

For real. Caleb’s voice stops me at the gas station. “Taquitos!?” In that high pitched voice. Now I get my gas and scram.

[@4wardlobster]

I’m a financial advisor at Morgan Stanley and deal with clients who have CC Debt. I really enjoy these videos and have implemented your techniques with discussing these bad debts. Thanks for what you do and just know that it is genuinely helping Americans save more and get out of debt.

[@daveSoupy]

@@tymondabrowski12 "WHY! WHY do you have all these stoupid fast foud perchesessss?"

[@philg3759]

So who’s paying for free KZbin advice 😂

[@wmluna381]

Have you yelled, "Taquitos, Taquitos, Taquitos!" yet at one of your clients?

[@YiriethM]

​@@daveSoupy what an underrated comment my dude😂🤝

[@chrisr6828]

Wait until he sees truck tire prices!

[@jeredubz24]

“ Ah those tires are out of my price point…how much for that f250 over there ? “

[@Revert2017]

I am blessed to be on a high paying travel nurse gig. The manager offered my 2 extra shifts this weekend. At first I declined. Then, I was watching Financial Audit and I messaged the manager and let her know I will take the shifts. Thank you for keeping me focused on my financial goals, Caleb!

[@FutureDreamZz]

Yess keep grinding!

[@ryansalyers6027]

Disabled vet here. This guy just needs to get a job. Wish him the best.

[@heatherlovesdeuteronomy]

He's on full disability according to his pay, so he can't.

[@ryansalyers6027]

@@heatherlovesdeuteronomy yes he can. Apparently he is trying to get a job trimming weed plants.

[@heatherlovesdeuteronomy]

@@ryansalyers6027 I just found out, depends on what kind of 💯% disability he has, I asked my husband who also is military disabled but he's only 80%.

[@2011blueman]

@@ryansalyers6027 He's not rated total and permanently disabled, only total, so the second he gets a job with a W2 his payment will be reduced or eliminated. He's committing disability fraud. There is absolutely no reason he should have been rated as 100% disabled for that Okinawa assault nonsense story, and the reason that he's trying to be a marijuana trimmer is because they pay under the table in cash so he won't lose the disability payment.

[@fastm3980]

​@@ryansalyers6027under the table 😅

[@kathrynkroll5700]

Caleb you asked if his girlfriend was his mom?!?! Best burn of MANY on this ep. 😂 It's so interesting to hear how his story around how his finances were going changed in the beginning from "things are so good, I have a house. I'm helping my parents." To, "yeah, I'm nickel-and-diming myself into a corner." I definitely had a moment in my life where I had to face the music of constant indulgences. But holy $#!+ 35+k in debt! Hope ya lock that spending down, best of luck dude!

[@jonnyp5252]

It made ME uncomfortable and I'm at home! Lol Guessing she looks a lil tired and is a bit older....😂❤✝️

[@Crijoe]

I feel for this dude, but I can't stop thinking of where I'd be financially if I received $3,800 per month outside of working. Wild.

[@erickn7985]

Facts like bro I would work so hard and Invest that money, atop of my regular job😂😂

[@katelynbrown98]

Right!? Would he still receive that even if he was working?

[@Crijoe]

@@katelynbrown98 Yes, he would. It's for his lifetime.

[@katelynbrown98]

​@@Crijoe Wow. That right there should be an incentive to NOT have any cc debt!

[@lecookie007]

Basically set for life, get a decent 1,500~2000 mortgage. A simple part time gig, no reason why this guys making his life harder then it should be.

[@heavychains]

If you buy a brand new car with 18 miles on it and only plan to have it for ten years ... that's crazy. Signed someone who drives a 22 year old Honda.

[@vanezaparisien9735]

it's really not that crazy

[@heavychains]

@@vanezaparisien9735 it's kind of insane. With proper on time maintenance a car should last well over ten years.

[@deadteddybears_7302]

Agreed! I still work on my parents cars, 98 Toyota @490,000mi and 07 Honda @371,000. Take care of your vehicles and they can go the distance

[@ky7037]

You also have to consider how many miles you put on it. If you drive 200-300k miles within that time frame I can see why a replacement vehicle will eventually be needed.

[@heavychains]

@@ky7037 guess it depends on the year/make/model. I see lots of Toyotas and Hondas going strong at 350k. Ive even seen some manual civics with 800k miles on an original engine and tranny

[@kimmawdsley6249]

I driving up on a Dunkin Donuts the other day and wanted to pull in and get a refresher drink ( I was 8 minutes from home) all I could hear was Taquitos taquitos taquitos😂 so I kept driving and didn’t stop 🤷‍♀️

[@DailyMeditation365]

What's up with these people that buy $50k cars and trucks "so I can have a vehicle for the next 10 years." I drive a 15 year old Honda that is extremely reliable, paid $10k cash for it almost 10 years ago. It's insane how people try to rationalize taking on stupid debt. Wish you luck brother! Try not to rely solely on that VA disability. If you can make just $2-3k/month with another job, remove the bad debt, and start putting $1,500/month into savings/investments, you should be set for life.

[@jd8184]

Toyota gang

[@DailyMeditation365]

@@jd8184 another great vehicle! This guy could have gotten a Tacoma or 4 Runner and saved himself $25-30k

[@adamseidel9780]

also, like, even if you’re committed to the idea of driving a new car for 10+ years, you can still buy a $20,000 Civic rather than a 50,000 truck. Like he admitted, it was a pure justification

[@clanwargods]

@@jd8184 Pontiac Vibe here, but yeah Toyota gang lol.

[@mqayyum9226]

dude you have no idea what you are talking about. Any rational person when given $300 tire to fix for a smart car would immediately get rid of it and buy a $50k truck. Btw i think a truck tire costs around $300 as well.

[@SAHMtoRN]

I watch these videos for motivation, and there are definitely times I think “Caleb would be mad” or “Caleb’s blood pressure” and don’t order takeout or clothes online 😂 thanks, Caleb ❤

[@ShelleyJane]

I haven’t had takeout or ordered clothes in March - same amount of time I’ve been subscribed to Caleb! 😂

[@stevensanchez7740]

😂yea im not teyna get on here sooooo lets be responsible

[@Ryhoiku]

6k credit card debt down to 1.5k!! Hopefully next month to 0 and get my emergency fund fat and happy. Thank you Caleb!!!

[@stevensasy12345]

Caleb you are the new and improved Dave Ramsey show. I can’t stop watching a couple episodes a day.

[@urskaufmann9565]

agree, it‘s dave ramsey but without the annoying religion and politics stuffed down your throat

[@martymcfly88mph35]

​@@urskaufmann9565 nah, Dave does a good job reminding people neither party will fix your life. Unfortunately, finances and stocks are tied to government so he has to comment on certain things (democrats causing mass inflation due to covid lockdowns that didn't actually help and other lefty governments destroying the global economy).

[@Metal7771]

For real, I don't see how anyone can only have a 1K emergency fund, while they pay off debt for 1 or 2 years, chances are something will happen.

[@Flecsia]

Just want to say thanks to you, Caleb. I live in absolutely different country, so it's pretty hard to follow your advices word by word, but I've changed my expenses at 180 degree listening your videos and now can easily put some money into savings :) But even this is not so important. I've found your channel in a very hard period of life and your videos helped me a lot going through it just by entertaining and distracting from hard thoughts ❤

[@ScarfaceMartinBeats]

That side eye from Caleb kills me!

[@BladedAngel]

23:40 I hate how often the "I was about to replace tires on it, so instead of spending a few hundred there, might as well buy a whole new car" logic happens. I hear it on a monthly basis in the various group chats Im part of and its just mad disappointing.

[@Mavryck_Tha_Myghty]

I love my vets, and I’m all for getting one’s mental health “in order” - but this dude needs to take some personal responsibility and find purpose again.

[@derekgardner1861]

He's a professional victim. He even started by saying "it helped me" he knows what he's doing

[@generousmitch1674]

@@derekgardner1861 Yea it was interesting. I’ll be on disability but saying “this event helped me get this percentage.” Is weird. More like “this event is the reason I’m broken and get disability.” Kinda weird way to say it imo. Not enough to call him a professional victim though.

[@katelynbrown98]

​@GenerousMitch well I think the fact that he _kept_ buying new, unnecessary properties makes him the professional victim.

[@cashin1243]

The second I heard that I was done with any sympathy. I transported patients for a VA mental hospital in another career, so I’m just more exposed to it than most; But there are guys that took advantage of a situation to set themselves up for life and play the victim. Guarantee his unit in Okinawa doesn’t see the situation this way.

[@treyp8471]

Bragging that he's got a "new truck" and a Harley while he's also got maxed out credits cards and buying "blue chew" i.e. Viagra for his "extracurriculars" lol

[@miapestano766]

I used to compulsively check my grades in high school... it has now been replaced by refreshing KZbin for the new Financial Audit video!

[@ryansteffen-kw2ys]

I can't imagine have $1,400 in vehicle payments. And thats only between a motorcycle and a truck. This guys DTI is insane.

[@MikeG.666]

If getting choked out by a Staff Sargeant will get me $3800 a month for the rest of my life, point me toward that Staff Sargeant. Kidding aside, I hope he makes it work, seems like a good dude.

[@life_of_laurel8602]

For real though! Apparently, I handled being choked by my Master Srgnt all those times wrong... 😅

[@heavychains]

LMAO I said the same thing. That's more than I make working full time. I'll gladly get choked by a grown man to never have to work again and have a better income than I do know.

[@MikeG.666]

@@heavychains I would let him come by once a month as long as he brought that check. For real.

[@heavychains]

@@MikeG.666 😂 "it's time for my daily space monkey..."

[@EVANHIRSCHMANG]

@@heavychains yeah no doubt it would be traumatizing but for 65k a year it's worth it IMO. Granted he didn't go into details just said he got choked out by him but that's really it.

[@ProfitFirstReseller]

This guy is such a sweetie and is willing to be honest about mistakes. I really wish him the best and hope for a follow-up episode with him!

[@rainboweater456]

@@MatthewEGolden He was a government employee that got assaulted from a tax paid superior, and suffered injury’s and ailments that he’ll live with for the rest of his life. I’m fine with ensuring he’s taken care of and living a decent rest of his life. You don’t have to be an ass to someone you don’t know. Not everyone is out to “take advantage” of the system. If you don’t think it’s fair, sign up for the military and get assaulted by your peers. See if the taxpayers think it’s fair to care about you.

[@Xxbubbly10]

If only he didn’t get that truck idk y people always think they need new cars

[@okgroomer1966]

@@rainboweater456 I signed up, got a actual wound in combat too. If this cupcake can't handle getting jacked up for being a late turd then he's not Marine material. I'm not ok with him collecting a check for life from it. He's clearly fine.

[@_Wai_Wai_]

@@rainboweater456 He definitely stretched his disability payment, and deciding to go into debt to get a new Truck? Damn...

[@GamingTaylor]

He honestly needs to go back to highschool, take some math / finance courses, and learn that debt is never a good idea... He's set for life on his disability payments. He will have a good life if he stops making poor choices.

[@Hedgeflexlfz]

It's such bullshit he gets 3800 a month for the rest of his life

[@xeres7688]

Cry more

[@kind2423]

Lol, he’s has PTSD which is viable for disability. He served his time. Why you mad?

[@Hedgeflexlfz]

@@kind2423 PTSD from what? A sergeant grabbing him and being robbed? lmao pansy

[@edt973nj]

Im not sure if its for life .. hes a bullshitter tho

[@spicybeefsalad]

and you the taxpayer get to pay for it :D

[@jdmsurfer]

I was blown up 2 times, have ptsd a blown out knee and a messed up back after a deployment and im struggling with the VA to have my stuff upped, yet dude is late and gets 100%? Sweet...

[@JimiSparx-yw3gb]

That guy is totally faking his "disability". His @$$ is just greedy and lazy.

[@Spankmepink]

No you weren't.