“This Keeps 99% Of People Broke!” How To Get Rich - Caleb Hammer

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Timestamps:
00:00 - INTRO
00:36 - Caleb's $15,000,000 Dream
05:50 - Caleb HATES Being A KZbinr
12:48 - Working 2 Full-Time Jobs WHILE Being a Musician
21:38 - Caleb Finances His FURNITURE??
28:14 - The Used Car Market Is F***ED
33:50 - America Has An Eating Problem
42:45 - Housing Is A Overlooked Expense
44:19 - The Guest With The WORST Finances
49:48 - Why Caleb Has Gotten "More Mean"
01:02:13 - The Backend Of Caleb's Business
01:06:34 - What Are Caleb's Financial Weaknesses
01:11:39 - How Is Caleb Hammer Still Single?
01:15:38 - Caleb The Big BULLY
01:24:31 - How Growing Up Poor Help Caleb's Perspective
01:32:18 - Caleb's Panic Attacks
01:39:50 - Caleb's Biggest Insecurity
01:43:42 - Caleb Is That Guy
01:46:33 - The Meaning Of Life
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*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[@CalebHammer]

Should have hired me, bullies.

[@jacksonbilly9979]

Why be hired when you can go on your own and be just as successful. We got faith in you Caleb. You are amazing. You are just under 750k, by the end of the year I can see you at 900k-1 million. Also you should give out a “Tostito free” trophy when they do better

[@HistoryRoar247]

We wouldn't have Financial Audit :P

[@little_miss_vintage]

KZbin wouldn’t be the same without your content Caleb! You are valuable on your own❤

[@TrickyMickTrucking]

Well excuse me Morgan Freeman. Highly impressed with you.

[@albeerobert]

LMFAO

[@michelleeaton9282]

Stop being critical of Caleb for wanting to get married! Graham is ridiculous for saying “What’s the rush?” Thank you, Caleb, for yelling at Jack for “ghosting” women. Go Caleb! The interview was very interesting and enjoyable. This type of honest content is refreshing and greatly appreciated.

[@BorisBidjanSaberi11]

Jack looks like he ghosts dudes 😂

[@lizdupee6706]

Caleb's yelling has helped develop the inner monologue needed to stop my day-to-day spending. I struggle with addiction, and now I have all these words that have stopped my compulsive shopping. It took ~3 months of watching one every day, then something clicked and I'm finishing my very first 30-day no-spend month. It's awesome and very funny. I literally ask myself, in Caleb's voice, "Why are we spending on this if we're IN DEBT?!" Also, I want to offer there are these folks out there who will be like Caleb, but with your food habits. I went to Isaiah at Top of the Line Fitness, but I'm sure other folks exist. 16 weeks and I shared myfitnesspal, did the workouts, but really overcame the mental and habitual issues that kept me snackin' like I have three bodies to feed. My life is turned around because of these audits. If this style works for you and you have anything else to work on, I bet there's someone out there to support you.

[@dahliaherrod4301]

What is top of the line. I tried googling it and got too many results. Is this an online course???

[@amiosa35]

I hear him too! It stops me from ordering food 😂

[@BernStoogin]

often lately I'll go in the gas station to pay cash for gas and almost grab some snacks but stop myself, shake my head, and just say "taquitos"

[@chpgmr1372]

I bought a mousepad of the $100 bill so I have Benjamin Franklins face giving me the disappointed look to keep me from online spending.

[@madip4167]

“Dying on a wal mart floor” is what my brain yells when I go to buy anything unnecessary lol. Works every single time

[@calmyourmind5665]

I love that Caleb is honest about his anxiety. You don’t hear about it enough, especially from someone running a business.

[@loria606]

I agree SO much. He describes it so perfectly.

[@chpgmr1372]

Other content creators have been more open and honest about their mental health in the past few years so it definitely is becoming more safe to talk about.

[@1openborder]

I think we hear about it often these days tbh but it’s always cool to be open about it

[@sarahssound]

I appreciate Caleb's honesty about being a youtuber and not necessarily liking it - I think it's why he's grown so much, because he is actually being himself, and you can tell he truly is passionate about helping people. Wishing him the best!

[@TheIcedCoffeeHour]

Thanks for watching!

[@user-wz7ef1fv4m]

"I hate how public this Job is." Naah, nahh, he can run his office offline. It was his decision because he wanted it and he still is posting them online because he loves it. Appearing to be humbled to sell your business is the new go that influencers are embarrassing. Regardless, it is better than most of the tiktok garbage these days. He is harmless and at least people learn not to screw up with their money.

[@izzywoods794]

@@user-wz7ef1fv4mi mean you dont rly know him so this is a leap. Also, money😂. You can do something for the money and to build a community but absolutely hate fame. It’s not impossible.

[@armydeloach23]

Hey Caleb I don’t know if you’ll see this but maybe think about adding a therapist or mental health specialist to help you assess the mental state of people while you go over their finances. That might get to the root of their spending habits or fear of spending. And it will add to audiences

[@watuwantt]

@@user-wz7ef1fv4mnot everything is done out of business tactics. Genuine intentions sell naturally. Never heard of the phrase “money follows passion”?

[@crazybutcoolforu]

This literally felt like friends catching up after not seeing each other for a while. Fantastic conversation

[@adamcollyer8727]

i just love how self aware caleb is. comes across as so relatable and he isn’t afraid to be introspective and not just dismiss things he hasn’t thought of

[@BetterEveryDay696]

Hearing Caleb swear without a cash register bell going off is weird.

[@elisependley35]

caleb is just such a likable person. I hope he stays on youtube for years to come and continues to flourish because he deserves every bit of it

[@Michael-hx8pv]

As a personal trainer who works on habit building with exercise, nutrition, and lifestyle; I can 100 percent say it bleeds into other areas of your life. Unfortunately finances were a poor subject in my household growing up and I’m still unlearning a lot. But if Caleb is in the market for a trainer , I’d be happy to help!

[@kaceyavellone8692]

Where are you located?

[@_GntlStone_]

So when does the first episode of "Fitness Audit" come out? There's a market for it IMHO.

[@Michael-hx8pv]

in massachusetts @@kaceyavellone8692

[@TashPointOh96]

Caleb is afraid of cancel culture and feeling the responsibility and weight of his life choices. He has many people who depend on him and he is stressed out! Dad's and husbands feel the same I'm sure! I have never heard of Caleb till today and my gosh I already adore him!!!! He is so great! He will make it through this I can tell already, very self aware and emotionally intelligent.

[@freedomring3022]

As an older Gen Xer, I absolutely love Caleb's content ... he is exactly what a lot of these younger people need. Dave Ramsey is too old for them and they look at him like an out of touch boomer, even though Dave's get out of debt advice is very sound. But when the younger generation sees someone their own age handing out sound advice, they listen. Keep up the great work.

[@AnalyticalMenace]

I also feel that Caleb's guidance is more updated for our current times.

[@brittnay279]

Yesss, I’m a young millennial and I grew up with my mom following everything Dave Ramsay said and I feel like that gave me a head start on financial education but I definitely think young-ish people need a modern version. We have so many new options. Investing online, crypto, whatever a micro loan is lol and many of us aren’t taking advantage of things we could be. Most ppl Ik who are like 40 don’t even have 401ks!

[@DuckFanDane]

I think Dave Ramsey is a great person to go to even for the younger people and a lot of younger people still watch him. He’s actually more popular with the younger audience. Huge place for Caleb Hammer, though.

[@kornillus16]

Caleb, your impact is way more important and larger than character assassination. Your audience LOVES you because you do GREAT work. The haters are small compared to what you've already done! Please continue to be you

[@jessicaspencer82917]

Caleb's personality is what made him blow up. He doesn't hide his emotions. ❤

[@sarashann]

💯💯💯

[@MrsEJV]

There is a new show with Caleb's graphics, set up, etc. Exact copy of Financial Audit without Caleb's personality. I watched three minutes. Deadly.

[@giantfatberg]

I know Caleb has a panic/anxiety disorder because he tells us but otherwise I would never, ever guess that he had that issue. He exudes likability and confidence to me. Unless he does something egregious, his fan base will always be here.

[@picassoflex1832]

There are plenty of other people who don’t hide their emotions. But yes, his personality aided a lot

[@aic0809]

@@MrsEJVI saw that, too. It’s hard to take the copycats seriously when they don’t even have the creativity to make the fonts and graphics for the videos different from what Caleb does!

[@mollybrown4764]

Caleb, the other reason we want to text a little bit before we agree to a date is because we need to feel that the vibe is… safe lol. We just don’t know who wants to meet and get to know us and who wants to assault us. A few good texts to feel out the vibe can make a big difference! It doesn’t eliminate all danger but it does help us feeeeeel better.

[@jorampodcast]

Sometimes getting turned down for a job can be the best thing that can ever happen to you. Caleb didn't get a job working for another KZbinr, then he became a KZbinr himself, and now he's blowing up. It has inspired me to keep posting videos even though no one watches them. Maybe one day I'll blow up too.

[@guineapigtalks]

I love how authentic he is. Its why he grew so fast and it seems he actually cares.

[@tlihdsnm26947]

Caleb understands that finances are complicated by emotions. He inherently understands and responds to the real reasons people stuff up with empathy, patience and he's harsh without* personal judgement. No one wants platitudes and bs. This interview feels like the big brother talking to his bigger brother with the little brother awesome in-between. It's really nice.

[@morganjones47]

Caleb, you are like a dad and a big brother to all of us who are finacially illiterate. While you do "yell" we, as the audience, can all see it comes from a good place. You are so trasparent and vulnerable as well and we can relate to you in that sense. Keep up the amazing work and know you are helping so so so many people. Including myself. Thank you so much.

[@stelrry3592]

I agree his yelling doesn't even feel like yelling. He just seems like he cares genuinely and he's just frustrated and disappointed.

[@scotthoover1568]

Grahm has a point about being happy alone when you find someone. No one else coming into your life is going to instantly fix you or make your life better. Relationships are hard and take work. If you aren't happy and capable alone, you won't be able to handle a long-term relationship as it needs to be handled. Signed, a guy who dated and failed until his mid-30s and is finally getting married next month. Best of luck to you, Caleb ✌️

[@jargonautholly]

Politely disagree with parts of this -- yes we should all strive to be as fulfilled as possible on our own, but it's totally normal and healthy to want a partner. Sounds like Caleb is enjoying dating and that's a great attitude to have! I was happy on my own before I met my fiance but hearing my therapist tell me that it's normal to want companionship was a big part of getting me to that last level of fulfillment when I was on my own

[@kunya16]

I suck at being alone. I just don't like it. There's nothing wrong with that. Some people thrive alone and some people don't. I'm "capable" alone, but I'm much happier married with a family. Why should I deny myself that to achieve some level of loneliness I'm not okay with?

[@ezequielrenovato6608]

@@kunya16yeah there are right and wrong ways to go about it. You can place your happiness in your family and spouse. You shouldn’t place it in a woman/man who you’ve only dated for a few months, especially if they don’t have the same feelings that you have for them.

[@2passportsandpostcards]

Last comment: as someone who gets panic attacks, what Caleb mentioned is 100% accurate and relatable. You get anxiety about the anxiety. It can be life altering and it’s awful all around. I also had my first panic attack out of nowhere in my teens. It’s more common than we want to admit and realize. But there is hope! I felt sad learning that Caleb feels more stressed and prone to panic attacks now with more YT success! 🥺 I hope he’ll go back to therapy and find ways to manage it. Because truly that’s all you’re doing - managing and hopefully, through work with a good therapist, get to the root of it as well.

[@SoundMan1985]

Caleb is a genuinely kind person. I hope he succeeds.

[@livetosmileandlaugh5368]

Agreed.

[@antoniabarker6709]

I don’t understand why the relationship thing is not working out. Caleb seems like such a great guy.

[@baconoftheark]

Caleb and I are in the same age range, and most people aren't fully mature in mid 20s-low 30s (despite what science proves). We have seen many people over 27 and they act like children. I know he will meet someone :). It's the correlation working in the stem fields and being successful. You focus so much on work and efficiency, but don't use the same approach of dating/meeting new people.

[@Notorious_Grey]

​@@baconofthearkScience doesn't prove maturity. Brain development doesn't = maturity.

[@wilmercastillo5968]

needs to heal first then he’d do great

[@hahshsdh4646464]

Watch out for those clout chasers bro

[@i9incher]

In my experience, the worst time for relationships is when you're mid "getting your life together" stage. If you have accepted where you are in life, people that are in that same state will be drawn to you. Likewise if you have "made it" that brings a safety net that gives you more time to spend with your partner. But when you're in that improvement set it turns people off that are settled, and it doesn't have the same safety net or free time that the "made it" people have. So typically this will be your most lonely time.

[@SummerGillen]

Graham made me feel a lot better about continuing to rent for the next few years instead of feeling pressure to buy. Loved that part of the episode.

[@ImVeryBrad]

Rates are pretty high too. Crappy time to buy. Just keep saving.

[@kevincarballo6303]

If you are looking to buy though I was reading about this startup called roam that helps current buyers take over the previous mortgage of the home you’re buying so maybe look into that to see if it’s worthwhile

[@ZuluNation05]

​@kevincarballo6303 however most will allow you to assume and then you'll also need a 2nd loan because most seller is out there to make a profit. Simply assuming would be from one relative to another.

[@gliver2549]

Can buy a rv or live in van to save up for down payment for house, there’s KZbinrs who do that.

[@grizz4321]

I think what he said only holds true if you are looking to buy a home that is ready to move into and will make no improvements over the time living there. If you buy a home under your budget and make all the renovations yourself over the time living there to keep cost down you can come out far ahead of renting when you sell.

[@little_miss_vintage]

I totally understand Caleb’s panic attacks and anxiety. I have the same diagnosis and it’s a very real thing. I’ve missed out on so much in life for fear of having the panic attacks while out somewhere

[@sumeetvanderboo4972]

Calebs the man- seriously. He’s made a big impact in my life. I was laid off from my job earlier this year and had him in my earbuds while I was driving Uber trying to make ends meet.

[@sarahtheteacher]

There’s nothing wrong for wanting your partner to grow with in life! You’re NOT the weird one, Caleb. Your generation that wants to push off partnerships is the weird one. It’s just fine to want a wife and family.

[@kyyuhl]

I agree. I'm 20 and nearly every person I've met who isn't already in a committed relationship is someone who wants a cheap fling or something short term. People seemingly do not have the passion to want to commit and build something long term. All about the instant gratification.

[@anadacosta4043]

You're right, there's nothing wrong with wanting to share your life with someone. But you're totally wrong, no generation is trying to push off partnerships, we're just trying to *normalize not needing* to be in one. Stop misenterpreting that. It's important for oneself to be able to spend time with oneself and being okay with being single. Love and partnership are a side effect of living, it something that happens when you're living your life, it can be something you look forward to, but it shouldn't be your end goal. Everone is a whole person, not a half.

[@kunya16]

This generation is so weird about relationships. They'll move in together by the first date, but won't commit or act like wanting a long term relationship is bad. They'll go from one partner to another. They insist one shouldn't want anything long term, but they're just relationship hopping like that's superior. It's weird.

[@drew8235]

Just because past generations have done it a specific way doesn't mean it's the right way anymore, if it ever was. I personally would never marry someone before living with them long-term.

[@This_Is_Soup]

Caleb stress less man, we all love you. You have helped a lot of us out and you are an amazing person. I cannot put it into words how much I appreciate and love your content. You have unreal potential and don’t let fear squash it. WE LOVE YOU

[@ExpansiveReviews]

I got a bad first impression of Caleb on a short/tiktok of him yelling at a woman. Last week someone recommended his long form videos and I’ve been hooked since. Keep up what you’re doing and killing it! Even though I got a bad first impression, I would never comment that on the internet. I hope he knows how awesome he is and forgets the haters.

[@DuerstTheWuerst]

Yelling at wahmyn is based.

[@coprolalia4169]

Their dynamics are funny. Graham is the Father/Eldest brother, Caleb is the middle child, and Jack is the youngest. eldest who is calm and collected. the middle who is the loudmouth. while the youngest gets bullied when there's a chance. Hope to see them together more.

[@TheIcedCoffeeHour]

😂 youngest who gets bullied

[@Elizabethgreen779]

*Caleb is beyond amazing. You’ll achieve success doing this.*

[@Elizabethgreen779]

I am fortunate I made productive decisions about my finances that changed my life forever. I'm a single parent living in Bn Italy, bought my second house in April and hoping to retire next year at 50 if things keep going smoothly for me.

[@sarahfletcher01]

You're really doing well for yourself, I'm forty five and my financiaI life is in a mess. Any great tips would really go a long way in shaping my life.

[@Elizabethgreen779]

I used the FIRE movement to put my finances in order. Then lnvested in various options through the ldeas of an lnvestment Pro who helped me make it this big....

[@sarahfletcher01]

Thankss for your kind response, I would love to reachout to your lnvestment Pro..

[@Elizabethgreen779]

sear ch her name if you care

[@kemikunle9360]

Caleb, Thanks for sharing! I used to have horrible panic attacks. I once walked out of an exam without completing it and started walking to the emergency room nearby. My therapist gave me excellent coping mechanisms. However, nothing was more effective than an accidental discovery: running. I had a panic attack earlier in the day and thought I would get another but forced myself to continue my new gym routine and go to the gym that day. I felt so much better, that to this day, if I feel panicky, I lace up my shoes and start running. Otherwise, I would spend the rest of the day fending off panic attacks. Overall, they have subsided now with me fixing some bigger issues. I wish you the best of luck!

[@demeke773]

Finally Caleb is on the podcast. I've been waiting for this interview 🎉

[@TheIcedCoffeeHour]

Awesome!

[@antifragilekitty]

caleb’s videos randomly came on my feed a year ago. ever since watching them, my credit score has jumped 30 points. i didn’t realize it had jumped so high until credit karma emailed me letting me know it was 30 pts higher! the show has been motivation to try to pay off my debt! I’m currently doing the snowball method and paying off my smallest card first and then will start paying off my bigger card. still haven’t paid off the smallest card yet, but at the rate I’m going, it’ll be paid off by January 2024! thanks for the inspo, Caleb!

[@hermitabby]

Hey i hope you reached your goal! Keep at it. Its a great feeling to be debt free 😊

[@persephone213]

As someone who has been to the ER twice due to panic attacks, I really appreciate Caleb talking about it and helping to raise awareness. 🙏🏻

[@JamieAmos]

Love Caleb's channel and how genuinely he cares about helping others. I also always appreciate how open he is with his mental health struggles - really enjoyed this conversation a lot, guys! Thank yoooou x

[@forzaauctionhousetips8640]

Another Caleb x Graham and Jack video! Wonder how much longer peak KZbin will last.

[@TheIcedCoffeeHour]

hahah let's hope it doesn't end!

[@CaroleenaCardoso]

What I love the most is Caleb is caring and you can sincerely see he wants to not only want to make a difference but he literally is changing lives! The fact he literally wants to give gifts and stuff to help people, I absolutely love watching your videos and it makes me so happy to see people's lives change. 😊

[@leslieacuna4722]

Love the honesty. I am all for seeing Caleb going in other platforms. It’s been fun to watch.

[@theresaontheedge]

So relatable! Caleb's transparency and honesty are appreciated as a single lady with a panic disorder (who also appreciates personal finance). I also have a job I'm passionate about, but parts of the job are horrible for my mental health. Thanks for the behind-the-scenes!

[@DelgutCyber]

The interview we’ve ALL been waited for! Watched the interview that Graham did with Caleb on his show. This is amazing.

[@braedonbellamy9767]

so happy to see Caleb on the podcast, Graham and Caleb lead me to start saving and start making good financial decisions

[@TheIcedCoffeeHour]

:D

[@Bob-mw2sm]

I would absolutely love to see a colab with Caleb and a reputable diet/fitness KZbinr who scrutinizes his diet/fitness in the exact same way he does his financial audits. I laugh just thinking about Caleb sitting across from someone looking at his diet and they’re yelling “death, death! What the fuck is this, Caleb?! Taquitos?!”

[@user-dv8bs7tb5c]

Yes, financial behaviour and diet you'd think would be a similar trait... but I too am great with money and shit with food lol

[@SevenRiderAirForce]

@@user-dv8bs7tb5c Timeless advice I heard from a doctor - a gym membership is always cheaper than medical bills.

[@sashaortiz3022]

I love this!!! Such a good idea

[@socks1w]

Hope they see this! That’d be so funny and helpful!

[@nomadic_orthodox]

Like the idea!

[@jazzgabrielle]

the collab i've been waiting for

[@sarashann]

Community college is a fantastic move for most high school graduates. An associates degree, certification, and credits that will transfer to a 4 year degree, all at a cost that one can cost flow. This tip doesn't get spoken of nearly enough!

[@bcase5328]

Trades training shouldn't be looked down upon either. We need the trades.

[@bcase5328]

They are right about not all colleges need to offer all degrees. How many college athletes go on to professional sports careers? How many college bachelor degree graduates find employment in their degree field? Any accredited college is usually fine through the bachelor level. It is at the graduate school level that the college program matters for future employment opportunities.

[@primetime1169]

Fantastic episode! As a person that struggles with anxiety, I was both surprised and relieved to hear someone like Caleb (whom I love) also struggle with it. I don’t wish it upon anyone, but it’s always nice to see that very successful people struggle too. It’s not something that’s easy to discuss so thank you Caleb, and thank you guys for having him.

[@donkim2976]

congratulations on making it to the show...i just shouted out to Graham to get you over to his podcast. just keep what you are doing and surround yourself with the right people, always stay true to yourself.

[@olives2025]

Loved this and would love to see a part 2!

[@Dis_is_fine]

A big tip when it comes to furniture is, if you got the money, it’s 100% worth to invest in Amish Furniture. They charge less than brands like Pottery Barn while lasting for a lifetime (something you definitely can’t expect from any brand furniture nowadays).

[@TheIcedCoffeeHour]

good to know!!

[@rebeccashields9626]

Yeah my mom bought chairs from them 20 years ago and they literally look brand new today. Definitely worth it.

[@thebosshouse]

My bedroom set is Amish and it'll probably outlive me. I'll know I've made it when I can afford to replace all my furniture with Amish.🤩

[@MJT.Roofing]

I would’ve agreed 100% until this past year or 2. My buddy had Amish build all the cabinets in his house, and the quality was bad enough that he paid to have it all redone. It was like a $30,000 job they hacked up. I have a roofing/siding company and just this year I came across 3 roofs by the Amish that I either had to fix or completely reroof. All I’m saying is don’t put blind faith into it just cuz it’s Amish made.

[@thebosshouse]

@@MJT.Roofing To be fair, you can inspect the furniture before buying and you can return it if it arrives defective. Roofs are a little different.

[@colleen36]

I started getting panic attacks 3 years ago. Holy smokes, I thought I was having a heart attack. What helped me was getting a smart watch and seeing I could breathe thru it and watch my heart rate go down. That made me feel more in control.

[@thomasmorrison3279]

Caleb is so open and honest. I really appreciate that.

[@chrishewittpiano]

Really enjoyable episode, boys! I love love love these. Going to watch much more Caleb in the future!

[@Life_as_Game]

29:57 PREACH IT!!! Car dependency is a HUGE tax most people just accept as normal. We subside parking, which takes away land from housing or parks or walkable places, and people will LOSE THEIR SHIT if they have to pay $5 to park their $65,000 SUV.

[@Angryeddie14]

Caleb is one of the best new finance people out here. He’s relatable and does vids that the general public can understand and benefit from. Not everyone can buy real estate or beat the hedge funds 😂

[@sp-tn9yt]

Totally agree. But it's crazy because at Caleb's income level (working towards 15 mill?!?!?) I barely have anything in common with him. But despite his wealth he manages to be relatable and inspiring, even to those of us who consider 1 mill aspirational.

[@oldmcfarlane]

I feel like if he wants to be in this position he should lead by example. Pay off your student loans, be debt free. Stop renting furniture. And become a certified financial advisor.

[@Angryeddie14]

@@oldmcfarlane I’d agree to all those except the cfa, he’s making about as much as a high end cfa right now and it’s not like he’s going to become a different person because of it. I do agree at his income he should really just nuke the student loans and stop being silly about financing furniture lol

[@christinab9133]

Not even done watching and just have to say I’m enjoying the three of you together so much!

[@CaptainFrandy]

Loved your audit on Caleb’s channel

[@cryptofuture7729]

Love your work, Caleb!

[@mikenormandy9250]

Thank the world for these three right here - graham, Caleb, Jack - thank you for bringing awareness to the financial crisis we were kept blind about until it’s too late. I blame the way the govt needs debt in order for the monetary system to work - a good reason why we are NOT taught about personal finance in school. Another is bc the elites and the wealthy need us controlled, and keeping us in debt and needing to struggle and come to them (aka banks) for loans to keep afloat. It’s a sick system. So thank you guys for doing what you do!

[@samsmiley9366]

As someone who used to have a lot of very long panic attacks but no longer has them as frequently or for as long, a bit part of that came from building my confidence in being able to handle them and being able to handle whatever life threw at me. This came from therapy and being able to look back at the data of how I dealt with things that were hard it the past and building up more examples of dealing with hard things over time. It takes time and therapy - wishing you well!

[@mariaaki984]

Love the section about panic attacks and mental health, made me feel less alone. And was interesting hearing a non-anxious person ask all those questions about what it's like having a panic disorder, I forget that not everyone has depression/anxiety

[@isabelatticus4039]

Each person, scenario, and personality feels like it avoids the repetitiveness. Plus there is a huge range of incomes. A lot of finance videos would reference a general range of income and over the decade of watching them, some were hard to identify with. These are hard cases and not easy wins. Keep it up!! 🎉

[@salo1129]

I liked it! Good to see Caleb is so open and honest. Keep up the good work ICED Team 😊

[@s.mel920]

Love this episode! Caleb is amazing and brining him on was so smart!

[@CupcakeFace-nz8px]

I love how caleb make finances easy to understand. I think that is why i love watching his videos so much. I knew nothing about how to save money, and the importance of an emergency fund and now i totally get it. Thanks to Caleb.

[@bran120]

From a girl who spent years on dating apps and never had a serious relationship with a single one of the dudes I went on dates with and then met my person at a friend of a friend of a friend's pool party... I personally never went on dates with anyone until we had a texting conversation because I had to sift through the creeps! So have that conversation with these girls and let them know you are not a creep before you ask them on a date.

[@JenniferRohr]

Loving all these Graham and Caleb videos!!! ❤❤❤🔥🔥🔥

[@TheIcedCoffeeHour]

THANKS1

[@mississippimom2]

LOVED it!! I hope y’all are really friends because this seemed so genuine.

[@HomeDecorGirl]

Such a great podcast. So much to learn from this honest discussion on finances. Was happy to see Graham and Caleb collab 👍 You guys are awesome!!!

[@kaileerenae9719]

When I bought my car in 2020, I went in with $4,000 to put down and made it clear I would not be paying more than $200 a month for a car payment. But I had severe driving anxiety, so I was only comfortable with getting a newer car that would be reliable and last me for a long time (car shopping was not an enjoyable experience for me so I don’t want to have to do it again anytime soon 😂). While I had a very good credit score for my age (21 at the time), they told me I had a “thin file” because I only had 1 credit card that I would use for subscriptions and pay off every month. So the lowest interest rate they could get me was about 7%, which put me just over $200 (if I remember correctly it was $208) for the car we had picked out (2019 VW Jetta). My dad offered to co-sign for me and it got my interest rate down to 4% and my payments to $183. I feel like financing a car is not a bad thing if people are willing to purchase within their means and not let themselves be swindled into a car they can’t afford. That’s why I brought my dad with me 😅

[@kaileerenae9719]

This is one of the many times I am disappointed with the fact that I live in Arkansas after hearing Jack say he’s also single 😅

[@Mew__]

Can I just say right off the bat that the lighting in this one is absolutely stellar? Jack's jawline looks amazing, and the baseball cap suits him. I think this is Caleb's studio (haven't watched in a while, but I love his stuff), so definitely integrate some of this into future podcasts, ICH!

[@katherinecade7191]

I had a great time watching this video, thanks for sharing part of your life with us, it has been encouraging.

[@MultiRandom05]

I love Caleb's honesty! I love his channel too

[@TattedTiffanyBeauty]

Excited! Yes, do part 2

[@TheIcedCoffeeHour]

enjoy!

[@zaanders]

Love Caleb’s unapologetic authenticity! From highs to the lows he lays it all out for us! ❤

[@sarahplatte366]

Great conversation! Loved this collab🎉

[@SolidSapphire1018]

YES PART 2!!!! i'm so sad i only had this recommended just now. i've enjoyed caleb's content for a long time, but this really made me appreciate him as a person too. :)

[@Daidainj]

Thank you guys for this video I loved the topics and just being openness , honesty and some laughs. Finances are so important the average American has $6,700 in credit card debt and THATS JUST CREDIT CARDS. We need someone like Caleb and graham and all the people that come onto the Channel about their situation so we can change and also pave the way for our children.

[@destiny9417]

My mom (55) was financially irresponsible her whole life and eventually, when she can't work, I (23) will have to take care of her. She lives with us rent-free. She pays for her own groceries and bills now thankfully because we got her a job. But I think you all explained it perfectly. Parents are just ignorant and they don't know what they don't know. In the American education system, there needs to be a way to educate people on financial literacy before it's too late and gets to a point where their kids will have to take financial responsibility for them when they can no longer work.

[@startingtech3900]

You were her retirement plan bro

[@sbunchukov]

Caleb, I get you so much, it’s like you wouldn’t believe. I’ve had my own battles with health stuff, panic attacks, and really bad anxiety all my life. When I saw your interviews, especially when Graham talked about your life, it was as if he was talking to me. That blew my mind! You really deserve all the good things you’ve achieved. I know it’s super tough dealing with meds and anxiety while trying to live life. The way you’ve dealt with it all is amazing. Big respect and a hug from me!

[@musingsofanoobtrader3300]

Loved it! Thanks guys!

[@Welsh-Trials-Enduro]

Don't stop the yelling, it's all part of what makes financial audit so entertaining and shows how much you care about the people you're helping ❤

[@i.am.content]

This dude is hilarious, real and relatable. This episode was great!

[@Littlemisslady6409]

I love this so much!!!! Great episode!! Thank you so much for sharing your stories with us, you are all truly changing lives. ❤

[@MrPGD77]

I agree with Graham man, start slowly introducing workouts. As a beginner few days a week will reduce the gym anxiety and once it becomes a habit you will love it. That and slowly introducing good or better food choices will go a long way, you got this Caleb!

[@austinsager912]

Graham's "pay back a portion of your income" idea for college is something I've thought of for a long time. And the very next topic about degrees that don't pay off or need to be offered just supports that idea. If a degree won't provide the income that makes the education worth it, it shouldn't be offered. The universities are selling snake oil, and a percentage repayment plan would put pressure on them to help students find a good career and keep a competitive set of degrees.

[@TooSquareProductions]

Agree!! Students are investing in the college for the degree, the colleges should be investing in the success of the student as well.

[@Gshen3]

still waiting for part 2!! this was great!

[@709mel]

It’s great that Caleb is so open about panic disorders and anxiety. Work on the fear of flying though. As a child of a parent with this disorder, you are going to miss out on so much with kids or even grandkids.

[@ItsMicobs]

Sweet, been waiting for this for a while, been subscribed to Caleb since he’s had 15k subs

[@TheIcedCoffeeHour]

Hope you enjoy it!

[@CalebHammer]

I appreciate it :)

[@dee20221]

Its crazy how much it was queationed why Caleb wants to find a woman to marry and have a family with... like obviously 90% of humans have a deep desire to find someone to be with for life and to have children. His psyche his screaming out for it. Hopefully caleb surrounds himself with people who support him in his best intetests.

[@TheLucky17]

What was up with that? So true. This younger generation is very peculiar...

[@samu-chan]

he gives gay vibes

[@josephbrown9685]

@@TheLucky17Every generation thinks the younger generations are peculiar. Nobody grows up in the exact same way with the exact same experiences and society as a whole is vastly different for young people now than it was for boomers. I’m caught in between as a younger gen X, so I have my own unique experiences while having lived in the old world (pre Internet) and the new world (post Internet). It’s hard to fully understand how much the Internet has changed society and whether or not it existed when a person was young.

[@kevinkidneyy]

@@samu-chanfacts lil zesty

[@samu-chan]

@@kevinkidneyy gay best friend vibes

[@fatkidsdontrun9394]

Ok Caleb here's some life advice: when you're dealing with strangers on the internet, you HAVE to text each other, otherwise women won't be able to know if you're safe to be with! You have to keep a conversation for a while before you go on a date. That's just how it is! I also want to add that Graham is right in a sense. You have to love yourself and be fine with yourself before you will be happy with someone you find. Also, TRIM the beard. Facial hair is fine, but it has to be even and well kept! You seem like a good guy to talk to, I really wish you all the luck!

[@lisapvpv]

Only half way through so far, but this is a great convo for u caleb!! ❤

[@jalbers3150]

Really like how Caleb was pressed on his physical health and fitness. It’s so important.

[@LWin-ps8jp]

I love Caleb, he's authentic. He'll continue to do well in any venture or direction he takes his channel.

[@sammypagano1576]

Love the open and honest discussion of mental health, especially amongst dudes. These guys are setting a good example.

[@johnnier4250]

I love you Caleb you’re doing all of us a great service!

[@creeper360bill]

Car dependency is goated tbh. I love being forced to pay 10-30% of my income on a motor vehicle to survive.

[@trrosales]

Mixed thoughts about fitness vs diet. I definitely agree doing both is good, and honestly there can be a positive feedback loop between the two. However, when you fall off at one you're likely to fall off the other. If you do go the route of just one first, I'd recommend the fitness - its more important to have good cardiovascular health than addressing your diet. Of course, as soon as you get fitness as a routine then you can go ham on the diet.

[@mirp2223]

Love this. So much fun great chemistry in this group

[@brandedmustang]

Dude Caleb you are one of the most relatable people I’ve see on KZbin. Thank you for all you do and keep up the good work. I show or send your page to anyone that is open to it. I might not have taken your advice all the way but it’s definitely made me more aware which is just as effective.

[@bilistooka_go_boom]

Caleb, I really enjoy your personality. The only thing I will say is on the dating aspect, a lot of women use those annoying pleasantries to filter out the obvious red flag guys. So by jumping immediately to the date, some may be cutting you out because they haven't had time to see if you are a creep that will try to drug them.

[@jargonautholly]

This is true -- although I'd suggest to Caleb to add something into his profile bio like I had -- "I prefer to meet in person as soon as possible, to see if the vibes are right" -- over froyo or coffee or food, so the alcohol/creepiness issue is moot. (I'm a sober woman, engaged to my live-in fiance now, as a data point)