The WORST Financial Situation I've Ever Seen | Caleb Hammer

Here is my response to ‪@CalebHammer‬ - 27-Year-Old With More Debt Than Anyone Should Ever Have | Financial Audit - Enjoy! Original Video Here: • 27-Year-Old With More ... | Add me on Instagram and Snapchat: GPStephan
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[@CalebHammer]

She’s a bitcoin genius!

[@mariov5035]

Caleb always leaving zingers here

[@vaishnaveesundararaman7876]

Hi Caleb!

[@victorbaird8220]

😊

[@audreylarocco1671]

😅😅😅 is 😅😢😅😢 I’m 😅😢😅😢😅😅😅😅😅😅😅😢😅😢😅😢😅😅😅😢😅😅😅😅😅😅😅😅😢😅😅😢😢😅😅😅😅😢😅😅😢😅😅😅😅😅😅😅😅😅 smith😅😅 brown chi brown brown chi moon moon sun sun moon moon earth moon moon sun earth sun sun earth earth sun sun 😅😅 moon earth earth moon earth and 😢😢😅😢😅 sun moon moon sun earth sun sun earth earth moon earth sun moon moon sun earth earth moon earth earth sun moon earth earth and moon moon earth moon and moon earth moon episode moon earth moon and moon 😅 sun moon moon earth moon and moon moon and sun earth moon moon and moon earth moon moon and earth earth moon earth earth and moon moon and moon earth moon moon earth sun 😅🎉😅 moon moon earth moon moon and and moon moon moon earth moon moon and moon moon moon earth moon moon and moon moon earth

[@CRISZTO]

I found out she’s an escort for hire

[@user-hg5ir4xb3p]

You missed where Caleb asked if she was actually in a place where she should be coaching other people 😂

[@sleepingrogue4130]

Well that’s kind of unfair considering the fact that she’s not out here giving financial advice

[@AChickAndADuck]

The question I was yelling at my screen

[@dylansies9943]

​@@sleepingrogue4130lol it's not unfair at all, she's the captain of a rapidly sinking ship. It's besides the point though since if you look her up she's basically doing sex work, which is perfectly fine but yeah, she shouldn't be coaching anyone on anything wellness related.

[@Logan-ed4pu]

12:35 593 Credit score. Not gonna lie, I had several emergencies, including multiple car repairs, decimate my savings and my credit. On December 30th, my credit score plummeted to 591. I shut off multiple streaming subscriptions, sold multiple investments, drastically reduced eating out and Doordash orders (horrible enabler of my horribly impulsive side), stopped buying cigars, reduced going out, all but stopped going to see movies in the theater, and many other things to reduce spending. I had to basically restart from zero. I have worked my ass off and I am still working my ass off to reduce debt, rebuild my savings, and rebuild my investments. As of June 16th, I got an update stating my score was 737. I am living proof that it can be done, but you have to bust your ass to do it, and make a lot of short term sacrifices while keeping focus on the long term goals.

[@CreamIceMs]

Great job! 🎉

[@rahinessani8752]

Incredible

[@JuanFachero]

Congratulations man

[@johanacaba5219]

Wow that’s amazing! You are living proof! I’m in a similar situation dealing with divorce and an ex that doesn’t pay the debts he needs to pay which unfortunately I’m on those loans too. Sometimes we just have to forgive ourselves for past decisions and work now for a better future. I’ve worked with all the banks to set up affordable payment plans as I work to pay off all the debt. Hopefully in the next 6-12 months my credit will go back up! Thanks for the inspiration!

[@Logan-ed4pu]

@@johanacaba5219 you got this. I hope things get better for you soon.

[@punkbassandcovers]

IRS has gotta be watching every Caleb Hammer video.

[@thegreatsauna2347]

Truth! So many people admit to Tax evasion 😮

[@justinreel5546]

The irs need burnt to the freakin ground

[@andrew8168]

It makes sense why these kids vote for higher taxes, they dont pay them.

[@moneythinkers]

It’s a lot sadder when you realize that a ridiculously high percentage of people are also living in this loop

[@kevindelcid4940]

Really?

[@verybigboss]

@@kevindelcid4940yes, really.

[@strenifstrecs2551]

@@kevindelcid4940 They don't teach financial literacy in school so unless your parents teach you kids are getting out into the real world knowing nothing about money. Then they see they can get credit cards, and take out loans, all without knowing the value of the debt/interest they are taking on. The fact this girl is talking about an 'extravagance mind set' is a symptom of another issue young adults face. The spiritual gurus conning kids with BS finance advice. "If you put out that positive energy, the universe will return it to you!" At the end of the day, it's a bunch of kids being prayed upon by people who make a living conning them into debt.

[@AMillionOs]

I would argue having a mindset of abundance and buying stuff she doesn't need with money she doesn't have - is the opposite of abundance. It's the mindset that you will never have enough.

[@agoodlittlewitch]

Amen! I’ve never felt so much abundance as I have when I practice gratitude for what I have rather than focusing on all the things I want.

[@hughrichardson7402]

Hey Graham, just a reminder to hit the like button.

[@therockbottom5256]

If he doesn’t Like this he’s fake

[@frumpusnumpus]

She didn't know a 593 credit score was bad?? 😭 Who let this woman have a credit card without explaining things to her?!

[@natalimartinez3480]

Sadly, I wouldn't be so hard on her about that. When I got my first credit card, I didn't know what a credit score was either. However unlike her I learned about the art of saving at a young age. Therefore, I didn't spend the way she's spending because I wanted to save some of my money for "just in case."

[@ewanfraser]

I had an accountant that screwed up my taxes so bad but I checked and caught the error. When fixed the difference was thousands. He tried to celebrate and and asked for a tip because I was getting more. I told him he’s lucky I’m paying him at all.

[@gummy5862]

I don’t know how accounting works, but definitely should’ve reported him to whoever certified him.

[@unashamedly1776]

The idea that we should “do what feels good” or “what our heart says” is one of the biggest lies of our generation.

[@rnt45t1]

Welcome to modern women.

[@rr-ti2xp]

Agreed.

[@unashamedly1776]

@@Algotube Plenty of stuff that "feels good" that doesn't add any value to the world.

[@josemartinez6878]

Jeremiah 17:9 The heart is deceitful above all things, And desperately wicked

[@katie8325]

@@rnt45t1 this is not gender specific

[@BlackNight603]

I remember her... i laughed so hard when she couldn't even explain her job

[@1juliasana]

Right?? Lol

[@athrunzala798]

From what I remember it was onlyfans with extra steps lol

[@rw3031]

​@athrunzala798 lol yeah when I found her website and she charged like 8k for 14 hours or overnight excursions just laughed. What kind if spiritual coaching is that I wonder...

[@username566-jb8sx]

​@rw3031 how did you find her website?

[@Karen.c.h]

I watched this some time ago. She was so uncomfortable it made me uncomfortable to watch. She is not accepting reality. I wish Caleb did follow up videos.

[@kiaraelam9935]

He does, a few guests come back for a second time

[@superbigblack]

I'm sure he's trying everything to do a follow up on his most popular guest.

[@annetawney2408]

This lady drove me nuts when I watched the full audit. Every time Caleb was spitting facts, she would just respond with "mmm" like she was meditating and didnt absorb any of what he said.

[@lanejaxon2276]

As a young adult I love videos like this because they show me exactly what not to do with my money

[@CantBeHammy]

Same

[@davidbobo9740]

She for sure was raised in a comfy home with plenty of Daddy's money . She's so full of smiles being broke in denial it's not funny .

[@lucaberret5042]

or grew up super broke and now as an adult wants so badly to feel like she has money that she doesn't care that she's going into debt

[@jlf_]

I started freelancing with 17/18. I made around 30k after taxes, and spent it all. Now I work fulltime, I save 70% of my money. It feels good.

[@annamcfarland492]

This is the video that got me hooked on Caleb hammer. It was the first video of his I watched.

[@sneakysnake647]

It was my first one, too!

[@rw3031]

Same! Lol now when I wanna stop and pick up food I hear him yell "MAKE A SANDWICH" 😂

[@annamcfarland492]

@@rw3031 haha that’s funny! I usually imagine what it would be like to be on financial audit and wondering if he would get all angry and squeaky with me… and the more I think about it the more the answer is a yes lol

[@acamacho023]

The way she was reacting shows she's not willing to compromise in her ways. Her situation is just going to get worse unfortunately.

[@KingCzar29]

As soon as I saw the thumbnail I thought this was a second audit with her, but it's just graham 😢

[@brealysia95]

This was me like 6/7 months ago. Whatever I had, I spent to MAX! Left no money. I was never taught healthy spending. My mom isn’t a healthy spender but it took my dad to get me on track because it was bad. Still bad but there’s growth

[@SailorV1234]

My kick start to life was getting a tattoo of a grape vine on my thigh. Been wanting one since I was in High School but at 27 I went, “If I can get this tattoo-I can get out of debt.” I DID have to take out a personal loan to consolidate my debt because of a bad event I try not to think about any more, but I’m back on track. It’s HARD, but being able to put even $50 in my savings every paycheck is an absolute rush.

[@SailorV1234]

It took me YEARS. I’m so happy (and jealous in the not envious way) that it took you less.

[@dawnklug6986]

@@SailorV1234 Great job....

[@Shane_Conrad]

I had my headphones in and i have to say that I about had a heart attack when the knocking sound came.

[@vaishnaveesundararaman7876]

FINALLY! YOU DID THIS ONE!!!! THANK YOU❤

[@cotos8009]

I’m sorry but she just grinds me all the wrong ways To put it nicely Being a life coach but “living in the mindset of abundance because it feels good”

[@sumirunihon]

she just seems like a complete airhead

[@melissachase1918]

She doesn't have control of her own life. Would u want her to be your life coach?

[@aleksandra4720]

Hey Graham please do a video on what you spend in a week!

[@jjong0711]

This is such a stereotype: The "abundance" spiritual coach who has zero business or financial sense but preaches about abundance and uses spirituality to bypass reality

[@jandipopo_art2012]

So proud of my boy caleb for being on this channel, lets gooooo!

[@fishroy1997]

I mean, it's easy to steal popular content

[@ivanaradic3852]

Graham..sir..that knock gave me a heart attack 7:43

[@ottovcr]

I thought someone was trying to break into my house

[@peculiarshanice4586]

Same!!! I got my earphones in too😂

[@tiffany.Elizabeth.]

Yes!!!

[@lewieanderson6579]

She is an excellent example of people who should not go into business for themselves without a regular job to help them along...

[@trilladave]

I truly like the longer 15-20 min videos, I always love the insight gram gives.

[@susanclaire901]

I love these react videos!!

[@lilaisamom]

Been waiting for this reaction vid 😅🙏 Ty

[@mammothcollector844]

Thanks for the video graham!

[@JessiRoll333]

You need to watch the couple episode next !!!

[@keithmoriyama5421]

Shouldn't a "Life Coach" actually have their life together before you lecture others?

[@lindala2602]

A lot of doctors have really unhealthy lifestiles

[@MikeDawson27]

Nice Zenith, good video, thanks for your perspective.

[@keithrhoda9508]

Just hit the like button. All set.

[@libbysworld7649]

This woman ALWAYS makes me feel better about any of my past financial indiscretions. I doubt her authenticity at times though. She's LITERALLY untraceable. So I'm not sure this is her name? I don't know.

[@alonzoperez2470]

Yes, just try to approach everything you see on the internet or on TV with a large grain of skepticsm by default. Meaning: for all we know, this entire segment, and all others like it, may be entirely phoney and scripted from the get-go. It's near impossible to know for sure with things we see on-screen

[@bulldozer8950]

@@alonzoperez2470it might be, but likely even if it is the base situation is based off actual people, because often it’s easier to take real stories and use them as a skeleton and modify them than make them up entirely. I think this show specifically though probably is real because most of the people are traceable and some of them even are creators or influencers of some sort who clearly came on in part to promote themselves and those people are entirely findable and I don’t know why they’d fake only a few of the episodes. But ya you should never take these too seriously as they absolutely are the true stories of real people because it is possible the stories are mostly true but slightly modified for some reason, and sometimes they are entirely fake.

[@alonzoperez2470]

@@bulldozer8950 I mean, when it comes to personal finances, it tends to be a very sensitive topic. I've had disagreements and arguments even with relatives when personal finance was the topic of conversation. So, I don't know, man. I can't imagine people openly sharing their personal financial lifestyle in a single KZbin video for thousands, if not millions, of people to watch. It just seems off to me.

[@motofreak2772]

@@alonzoperez2470 when Caleb was smaller I messaged him and he had asked me to go on the show. I think he was paying $1000. For most of these people in bad financial situation it's worth exposing themselves for that quick cash. As he gets more popular though it may become harder, but there's always an abundance of stupid people so I'm sure he won't have a problem. I'd guess everything we have seen so far has been real.

[@TimBryan]

Talking about how she wasn’t wrong about predicting Bitcoin going up is called resulting, which is judging a decision by its (previously unknown results). Not selling the Bitcoin was still a bad decision, even if it did actually go up in the future.

[@nodsib]

Exactly. And I bet she still hasn’t sold it, and won’t before it crashes again

[@michaelswami]

Life coach/ positivity counselor, first thing to be cut when times get tough.

[@nathanmcguire1437]

Hey Graham, when is the iced coffee hour merch coming? I can’t wait for it!

[@justinjustice5525]

Love from Amsterdam!!

[@urszulasawicka2544]

Grahams comments - brilliant 😂❤

[@jaycgibbs]

I don't think it's likely that her best months are when people are doing poorly in life. I think people who have just lost a job etc are likely to perceive services like this as non necessities and cut them. I would think she'd do the best during times when people feel confident enough in their base financial security to invest in themselves and their mental health more

[@mscandyclash]

😮

[@koneko-chan3580]

I agree with this

[@joshuashaw2923]

Well she’s an escort lmfao so I’d imagine as much lmfao

[@damienyuen7718]

Most people who go into serious debt never get out of it. They live the rest of their life as a slave to the bank.

[@ST-wo3uw]

Good grief, never get "life coaching" from someone who doesn't have their financial life in order.

[@jeffrounsville4961]

Great video

[@amde8554]

If gwyneth Paltrow hadn’t been famous before starting Goop this would have been her episode lol. But for real it’s amazing to me how many people who work as independent contractors go on Caleb’s show and know nothing about filing taxes.

[@Sharoneagles82]

Love Caleb !

[@Marvin-iy8ic]

I remember watching the video and reading the comments stating she is using the spiritual guide as a front for being a call girl based on her website

[@wednesdaysbliss1]

She’s a tantric coach. Way different than a call girl.

[@damienyuen7718]

@@wednesdaysbliss1 So she gives HJ's. 😂

[@lucacrespi88]

@@wednesdaysbliss1 she is an escort.

[@fc7307]

@@wednesdaysbliss1 That is what a Front is.

[@oompers9]

@@wednesdaysbliss1 she's a tantric coach, she is exactly a call girl XD

[@christieraper5472]

I don't think she has the willpower to challenge herself to spend less. Doing the work now would enable her to enjoy more later, but she doesn't seem very willing.

[@johnnysbookreviews]

Yep. Pay off the credit card as the interest rate is only getting higher. Also, debt consolidation through a company is risky. I would just pay off the credit cards like Graham said right away.

[@CatsMeowPaw]

Every time Caleb hammers people to stop eating out, I wonder if small food shops and restaurants are sweating. It's the universal good advice for anyone trying to save money. Stop eating out. Period.

[@Panpizzadeluxe]

She seems like a nice person, just naive about personal finance. hope the best for her

[@hil10]

At one point, I was caught up in the same New Age belief system. I thought if wanted something bad enough, raised my vibration enough, and put it on my vision board enough, I would receive the money from the universe. Leap and the net will appear, right? That’s manifestation. But that’s not true. Sacrifice is the most spiritual thing you can do. I had to change my entire lifestyle and show that I was willing to eat nothing but rice and beans, and work two or three jobs. That’s when the true net appeared. Once I humbled myself, God gifted me the highest paying job I’ve ever had. Most important lesson of my life.

[@nodsib]

Yeah that new age spiritual stuff is really toxic crap

[@SpoonHurler]

I am not as religious as I used be but one of the sayings I still believe is "Pray like it depends on God, Work like it depends on you." If I want apples, I gotta plant all the seeds I can.

[@hil10]

@@SpoonHurler I love that! Very wise.

[@ammalyrical5646]

But you're the one who did all the work. Sounds to me like you did and it was all you. God didn't gift you the job, you worked so you could apply for it and then got the job offer. A great achievement. Don't discredit your own work and effort. I'd say this is true manifestation. You had a goal and made it happen with hard work and patience. I never got that whole stuff about people just expecting stuff to happen if they hoped enough. If that worked my childhood wouldn't have been what it was. But that's just me, a lot of my experiences don't seem to fit the norm. Life is what you make it. If you get my drift.

[@hil10]

@@ammalyrical5646 that’s the crazy part! I didn’t do anything. I was headhunted out of nowhere on an old LinkedIn account I never used and offered a dream job after years of no luck “manifesting.” When I turned away from the New Age and told God I was his again, he delivered within days. I wasn’t even looking for a new opportunity. I had given up by then. I was humble enough to be grateful for the contracts I did have, even if they paid pennies. I didn’t have to lift a finger and the dream job was handed to me. The “work” I did was of a spiritual nature. God gets all the credit on that one, not me, haha. ❤

[@dredayr210]

You are looking bigger 💪 keep it up

[@SpoonHurler]

Ugh... The "abundance" mind set girl. Mmmmmm, this will be good.

[@tonymerkclelive1023]

I watched the video when it came out. She can never explain her job or how it works but seems to make quite a bit of cash. I'm guessing "spiritual coach" is code for "Rub n Tug"

[@chadhiggins9944]

😂😂😂

[@josefinemeyer7708]

I love this

[@irvxing]

I always take my vehicles to get a pre purchase inspection at the dealership. Not only are they familiar with the car, theyll have the price breakdown of how much itll be to make the repairs. Having the dealership do the PPI helps in your negotiations as well. I bought a Mercedes years ago and while their PPI was $400 they dug in and went deep finding things a regular shop wouldnt evem bother looking at. In the end i got a great deal and they even negotiated to do the repairs on their end with the company that sold me the car as they offer a "warranty" on all their used cars. I got my motor mounts replaced "squeeky" door, front endlinks, rear sun shade, front rotors, and a sensor that was faulty in the auto dimming rear view mirror. Repairs were quoted over 2k and the dealership did the repairs with $0 out of pocket since the place i got the car from offered a warranty. Same thing with my honda that needed new front rotors and driveshaft seal replacement. They broke a cv axle in the process so i got that replaced for free at the dealership. Hondas PPI was only $200. Wasnt as thorough but they did the repair.

[@aazoraa8139]

graham your knocking at @7:44 scared me so bad on my headphones

[@taviantownsend5192]

Mr hammer is a bloody legend

[@74mykael]

Your expressions are the best

[@echoreactss]

Two words: delayed gratification.

[@addd21323]

hahaha you have NO IDEA how long I've been waiting for you to react to this video lmaoo

[@JoshuaPagan]

I could have sworn that he had 😂 I feel like I just got Deja Vu…

[@KurtisB]

This video was definitely scheduled to be published. I can tell because Graham isn’t replying to any comments lol.

[@polunga]

That video was published a while ago on Calebs channel.

[@batman562010]

You’re the greatest

[@user-cario]

Hit 80k today. Thank you for all the knowledge and nuggets you had thrown my way over the last months. Started with 8k in Jan 2023

[@sm1522]

Sell now if it's stocks or coins

[@OddlySatisfying74]

They should really just get rid.of the irs and income tax in general. Would make everything way simpler, people would have more money in their pocket and the govt gets shrunken costing less money. More money in people's pockets means increased spending means more taxes coming in. Make up whatever deficit is left (if we aren't already pulling in more taxes) to sales tax or maybe a VAT. That way the people are taxed for what they use and spend their money on and not to the ineffective, and corrupt, govt.

[@kronos0316]

A spiritual coach lets me know the person lives in a fantasy world and could have mental issues.

[@AFFTFOMSICHTS]

I truly don’t understand why anyone would pay for this. That’s what I’m baffled by

[@Mekias]

Spiritual Coach is just a nice way of saying Tantric / Intimacy Coach. One-on-one "coaching" is also available.

[@AFFTFOMSICHTS]

@@Mekias😂 it all makes sense now

[@TonyWoody]

Acorns has come a very long way since that last video, and the round-up feature is just one small piece of the pie. I’ve been using Acorns for years and I’m very pleased with them. Highly recommend.

[@Murphistic]

7:43 That knocking though, I thought IRS is knocking on my door :D (Even though I'm not even in the US)

[@Emman1172]

Where is this link to the acorns video he mentions putting in the video description?!? Come on Graham.

[@jake6483]

So many of his videos have really helped me to realize why I justify my own spending, but some videos just make me sad or angry. This lady was frustrating as can be, and im just a spectator

[@jimipet]

I dont think her services match more to people who are sad or just laid off. If anything else, people who just laid off, this would be the last thing they will do. In my opinion her services are more of the wealthy people who just have not piece of mind, but defenitelly wealthy in any case.

[@regtalkswealth]

The IRS watching and ready to come knocking the door like got ya b*tch 😂

[@louisianabeast]

Still liking!

[@carmellabrown3335]

I always do a pre-inspection and only buy cars cash!

[@joshmcgoo]

childplay - I'm 28, have a kid (second on the way) and I'm 366,000 in student loan debt

[@sumirunihon]

hope you're joking...

[@joshmcgoo]

@@sumirunihon im not

[@ryomaechizen4400]

Wow Caleb made it. I remember watching him when he was an up and comer.

[@giusepperesponte8077]

You know, I’m in mathematics and let me just tell everyone, file your taxes. The reason I’m saying this is because the government can and does use math to lay out your claimed earnings and compare their distribution to what the distribution should actually be. It doesn’t matter if you left no paper trail whatsoever, they know if what you’re claiming is even plausible based on how we know these distributions behave. You’d be surprised how accurate it is.

[@pierce_grossman]

what the hell man, that knock on 7:42 scared me SO MUCH :(

[@hobocyclist]

"Shes not gonna see those returns in the market" Yes sir. we are all of us gambling. Watching this sure makes me feel better though

[@memesquad9608]

Imagine going to her for life advice 😭😭

[@picadosinferno]

Graham, do a video on what your dog spends on food a week

[@acre2122]

I watched this when it came out. I felt that I wasted my life with that chick. I am glad you cut it back a lot.

[@ruthirwin8222]

She trades...services....wow very dicey

[@ChristiansAdventures]

What’s crazy is she’s an escort that charges like $1000 a hour and yet is wildly in debt

[@mattbenz99]

How do you know that?

[@huntr1998]

I love how this show is now just stealing Calebs content 😂

[@sm1522]

I know right??? So weird he's just become a complete leech

[@lesterparker1594]

I’m willing to bet her “life coaching” involves renting hotel rooms by the hour

[@chadhiggins9944]

😂😂😂

[@ROIRalph]

Smashed the like button, broke my phone 😢

[@tigerwolf20551]

Be great if we could see follow ups from some of these debters

[@Scrounge4]

There’s been two or three to come back so far

[@jhunter8813]

You gotta give props too her for getting in the pod .

[@dwightgjr]

lol when are you gonna do the one with your own editor😂

[@jorgemiguelmilano1535]

7:45. Made me check my door.

[@Prickly-Hedgehog]

I liked this video purely because of the clip of Jeremy Clarkson driving a Rover SD when the door falls off.

[@Jeroen74]

7:52 "Coach" 🤐😉😅

[@alikazam5739]

Do a joint show with caleb

[@danielmankowski922]

9:52 His name is Mao Cena! 😂

[@peets127]

Ppl are so lazy. This is insane.