This Millennial Has 9 MAXED OUT Credit Cards

[@LaurenPaigeSQL]

Watching these Graham and Caleb crossovers is like the adult version of the Jimmy x Timmy Power Hour on Nickelodeon 😆

[@TheGrahamStephanShow]

:p

[@BallAintLife123]

😂😂😂

[@EconomicWarfare]

I thought you were talking about the South Park characters. 🤣😂

[@UncleKenroy]

True

[@DGregster]

@@TheGrahamStephanShow lol my two favorite finance KZbinrs

[@Sandra-Renea]

Caleb’s videos are so addictive. I’ve been binging for a few weeks.

[@vanbeek62]

Thanks for supporting smaller creators! Been watching Caleb since his first video and it's been my daily morning financial reality show ever since. 😅

[@EVO.0w0]

In my early 20s bought stuff with credit card couldn’t afford. During the pandemic I had focused on Need vs Wants. It was clear to me, so I bought what I can afford to pay off end of the month. The school system doesn’t teach financial independence because they want you to fail.

[@petelee2477]

Only buying what you can afford with money that you have(credit is not money and you were an idiot for thinking otherwise) is common sense and something that really shouldn't need to be taught. The correct way to diversify your portfolio, how a 401k works, risk management, and how to build credit are skills that need to be taught. You have nobody to blame but yourself if you thought credit was the same as money.

[@Egghead8998]

I watch Caleb a lot and sometimes Graham. I was reading the comments and they mentioned Graham has watched Caleb and I ran over to come watch Graham’s reaction!!!! I’m glad the crossover is happening

[@davidmilhouscarter8198]

9:26 Dave Ramsey be like 🤦🏼‍♂️

[@TrollingLove72]

It’s sad because people are doing this and getting in debt to fit in with peers or family etc. I had my own battle of financial war and still working on it myself. You either be disciplined or you cause financial ruin. I’m barely paying back my debts I’ve caused working on 9000$ as we speak and managing what I have open rn as best as I can. We all have to learn and it sucks many of us weren’t taught nothing about it so our learning ends up us being in it (for some). I’m just glad people are willing to give us a wake up call and help those who really want help and I hope everyone finds a solution and gets a better relationship with money. It’s not easy I know from my own experience. But we got this ❤🙏🏾

[@FaivenFeshazion]

Yay!!!!! I’m so happy you found Caleb!!! You two are my fav ❤❤❤❤

[@miggie909m2]

Keep this crossover videos up maybe a collab between you two in the future would be great!😊

[@BriannaEmily]

Dude how amazing that you’re reacting to Caleb’s video?!

[@cleanairninja9256]

This lady is oblivious to her daily spending. She needs to make a daily expense journal and write down every single thing she spends money on each day. After a couple of months, she can see where her money is going. Then she can make some changes that could benefit her.

[@nicolehernandez11]

Now we need Caleb on the Iced Coffee Podcast.

[@leelowe1]

You can dole out all the stellar advice but someone has to be open and willing to do it. She seems stuck and not at all invested in changing. She's getting by on credit cards and hasn't had the reality of being at rock bottom yet. She's still young and there is hope.

[@redchrris]

First time ever commenting on your channel to say I'm so pumped to see you two crossing over. Been binging Caleb's audit's lately.

[@joshuahaney1135]

Unfortunately, I have nine credit cards that are maxed out and just about going into collections about $27,000. I’m about to have to file for bankruptcy.

[@MadisonFalcoFoods]

If you’re gonna doordash, you have to work the right days or you won’t make enough

[@ms_cartographer]

I used to feel bad for my student debt, but at least I am paying it off and not spending as much money on dumb things. I work two full-time jobs to pay it all off, and I'm applying for grad school so I can get a better-paying job. I do have to cut Amazon spending around the holidays, but that's it. I took the Amazon app off my phone and unsubscribed from promotional emails.

[@suen5006]

For food delivery - it's ok if you have nothing, better than sitting on your rear and making nothing, and that's her situation! She needs to do delivery every day until she gets a job. For insurance? I get an insurance rider - just 8$/month, then no worries about liability.

[@jkay07]

Graham, you're just catching onto Caleb's stuff, have been a subbed for half a year, it's awesome and right up your wheelhouse, you havent even seen the most shocking ones yet. Recommend the Zeke trilogy series 🙂

[@KypHeM]

I thought you just straight up stole his concept but thanks for giving him a shout out

[@jjminor]

Nine maxed out credit cards??!! that’s almost as bad as one medical bill! Probably one of the best financial decisions I’ve made besides paying off debt quickly is not going to the hospital. I made that mistake once and paid for it.

[@wassimajili5983]

In Tunisia the entry level car price is about two years worth of hard work

[@alwaysfallingshort]

I knew it was only a matter of days before you started watching this dude's channel.

[@MedianaDhea]

Sis you should try to buy used car from Carvana. Your monthly payment for car loan is to high.

[@tayloroakes8482]

I would love for him to do a financial audit on you graham

[@Bhami7]

Going to need to see a collab with Caleb someday!🙌

[@asdasddas100]

I watched Caleb for a bit but... How the hell does he get so many bad people on his show? Who comes in and says "Let me get called a dumbass for my financial decisions for 30 minutes for thousands of people to see" Does he pay them or something? Is it fake?

[@anneb6262]

I like watching videos like this to see ppl make worse financial decisions than me lol. I hope she gets it together tho. I’m on my way as well.

[@TheGrahamStephanShow]

good luck!

[@triple_gem_shining]

Aren't we all!

[@anneb6262]

@@TheGrahamStephanShow thank you Graham!

[@Poooridge123]

Hammer Time 💳🔨

[@justanothercollector43]

But her hair makeup on fleek 😂 these bums/goofys priorities is all messed up. Shouts out to people who succeed because at the end of the day… you have to. No mommy or daddy money gang 💪🏼

[@carpelunam]

He drops the hammer like no other

[@AbiTheEngineer]

Idk how people are so nonchalant about their finances. I would have an anxiety attack and lose sleep over it if I didn't have a job 😢😢

[@Bluebird22200]

Lol I bought a $45,000 mustang on a $35,000 salary. Although my parents paid half and I got a discount of 8,000 thanks to a trade in, it was a bad move financially. Thankfully it all worked out though because I get raises every year and now I'm making 80,000.

[@Edvardlarose]

There’s need to be Caleb and graham collab

[@naginifelocin]

$4000 car would be good for food delivery.. you already have a depreciated asset

[@ayocam07]

hell nah lol i use my credit card only for gas

[@exploringfuture]

It's so stressful listening to her debt problem because I feel bad for her.

[@michaelkclark6981]

Very interesting video. Always good Contant . I wonder what the young ladies motivation was to meet. Some of the comments appear to be merely academic. he is observations about her credit should have a different sense of urgency. as long as we live and learn, emphasis on learn !!! Money and credit are very difficult topics to embrace and own .

[@blastomycosis]

Wow that worked, I had to like it. Also I have up and moved four times in my life, it worked out okay, a little rough.

[@K.E.U.]

Bro fr gave this man 25k subs

[@AoCabo]

How did she get a car loan on no income lol

[@MedianaDhea]

NINJA Loan?

[@yeshakalyani2216]

There should be compulsory graham Stephan class in school for kids…one video per class

[@jvolstad]

Maryland? She can get a job at the NSA.

[@trillside1]

How is she 26 years old and this financially irresponsible.

[@anthonyikedakolar9375]

These train wreck videos are great! Dave Ramsey style

[@hectoralejandro9883]

I’m so happy Graham has promoted Caleb’s channel again. “Disappoint the Caleb, get the Hammer”

[@dm3988]

More Caleb reaction videos please!!

[@elishajlogan]

My support comment 🤡🤡 clowning through

[@brrberrymerry]

I just don't understand my math never maths with these people...

[@emptynester547]

I really enjoyed this video and by the way, I know who Dave Ramsey is.

[@Daniela-mn6cw]

Lol shes not ignorant. Shes just super irresponsible

[@addictiontocars]

Was that Jimmy Carr?

[@MusaMoh]

He pays 88$ on gas every month?!?

[@arlo957]

NINE? NEIN!

[@gabrielrocha8571]

No accountability..😢

[@herbbot8241]

shes a hot mess lol...i used to be like that 20 years ago. I got thru it thank god. hope she matures

[@DelusionalDev64]

Wait until you get to see the kid who lies to his mom about going to school

[@lakeseminole]

If you are a single person, spending $300 per month eating out, then you are clueless. Especially if you are making under 60k per year. Learn to cook, make sandwiches, buy fruit and salads for work.

[@soy.ingrid]

Hey Graham! What are your thoughts on investing in Ryan’s Tykes real estate NFT?

[@bobschnittman2856]

you can tell this girl is so immature.

[@mrblue21974]

Would this be considered broke and dusty???

[@louisianabeast]

Still liking

[@TheGrahamStephanShow]

Thanks!!

[@potatosalad321]

Who’s dave ramsy?

[@kitatit]

26 and a septum nose ring… let the bad choices begin.

[@Mangawithcats]

I have about a max of 4k on one card but I only use about 30%..... like damn

[@tiamel5930]

Caleb is a bully offering no help and simply exploiting people

[@Plasmaytrian]

Pretty sure 26 isn’t a millennial thats GEN Z

[@g3ek1337]

Dude, you didn’t link it 😅

[@elnoraabduqadir2297]

Why she is laughing, smiling? She should be crying.

[@iTheRealAK]

I’ve heard Gordon Ramsey talk about the snowball effect - it’s the only thing that makes sense about him. Once you’re done paying one card off, use the money you’d pay the first card to the next highest APR card. When the second card finishes, you do the same with the 3rd and so on and so forth.

[@KurtisB]

Next step: Get Caleb on The Iced Coffee Hour podcast!

[@shankadkoui5472]

💯💯💯💯

[@melissamendoza889]

Caleb is great. Content is awesome.

[@cameronmichael1734]

I’m glad you found Caleb’s channel! Been watching him since his first video. Sometimes people need tough love and he’s able to give that to them .

[@SmoothCoaxing]

Same ive been watching him before his first video

[@ateretgoldman]

Same!! He deserves all the growth he is receiving. I always look forward to his uploads and appreciate the consistency in his efforts

[@drahgu]

His channel is awesome. I found him when he has around 20k subs. He’s great! I’ve seen all of his videos

[@Vub.]

I was at the hospital when Caleb was born.

[@FRESCO_KUN]

@@Vub. I was there when his parents were making him so me too

[@tranquil5892]

Hope this spotlight helps Caleb hit 100k. He’s close and his content is so good. His editor has also made the content very polished.

[@TheGrahamStephanShow]

Agreed!

[@DNaupari]

@@TheGrahamStephanShow Hope he’s hit 100k in 2024

[@matthewearlywine5535]

When I was in high school we had an elective called “Business Math”. Basically taught us to do everything from check writing/balancing to loans/interest calculation. From filing taxes to budgeting income. Luckily I’ve always had an interest in finances and I really enjoyed the class. Really think we throw people to the wolves when we send people out at adult hood without this knowledge. Not saying this is or isn’t their fault but I think classes like that would make people more cautious with financial decisions

[@omotayosatuyi252]

Wish there was a class like this in my high school

[@MSuss98]

This should be required at every high school in order to graduate.

[@tlahmed]

@@MSuss98 Agreed. Both my parents had worked for banks at some point of their life so they taught me all these skills. Without them I would have been clueless.

[@dominicbrown8916]

It’s not done on accident. They want you in debt.

[@zainabzia448]

@@MSuss98 it's required in some states. IDK if they actually follow through on that in other states but you can't graduate in VA without taking the class.

[@MorganAdair]

Absolutely LOVE these crossovers. Caleb's channel is a gem.

[@TheGrahamStephanShow]

Awesome!

[@amandadean3948]

The bad news: her finances are a hot mess. She’s exactly the kind of “spender” that Dave is talking about to stay away from credit cards-she treats them like cash in her pocket. Good news: she’s still pretty young and can turn it around if she gets serious!

[@ericchan5055]

She’s not going to get serious anytime soon. Eating out all the time but too lazy to work. Moved to Austin with absolutely no money saved. Basically living the yolo lifestyle but not willing to put in any work for her future.

[@mmp495]

Eating out kills your finances...especially now😕

[@TheSoulCrisis]

@@mmp495 Yeeep........3 meals will hit $100 EASILY and it's not sustainable. Best go to market and shop for the week!

[@dreamerlotus]

When I first watched Caleb I thought wow he's harsh, however watching a handful of them I realised these people NEED the tough love. No one out there is getting across how severe their situation is. Caleb's videos have helped me get my finances together, though wish he'd interview some British people because everything is dollars and strange retirements/investments/taxes.

[@mikeyserrano9748]

Coming from someone who used to work in the gig economy for food delivery/grocery delivery, what really helped me keep working a lot of hours was keeping track of my daily earnings and seeing how each day contributed towards my financial goals or hitting the income threshold I needed to get by. I started seeing daily income as a little game, and started trying to beat the previous “high score“

[@briannasmith2420]

I’ve done the exact same! I track every dollar. I’ve made some serious financial progress by doing this and I love it

[@E-Nigma_]

Imagine doing the same with an actual job. The bonus is health insurance and paying into your retirement, set hours, etc. Of course, this only applies if the job is going to pay more than Uber does. But you’re not making anything with rideshare with the current state of the economy. Too many costs to do business vs driving to a job and your car sitting there not being used.

[@E-Nigma_]

@Kemet89 Yeah, but no gig workers are making enough to take advantage of what you’re talking about. Especially if they have bills. The gig economy is slowly eroding away. People who do it are barely breaking even. Now if it’s supplemental income or you’re in a situation where you don’t have expenses beyond gas and vehicle maintenance, then yeah it can be a positive. I think the time driving would be better spent job searching/acquiring a skill.

[@mikeyserrano9748]

@@E-Nigma_ Well I did this while I was in ther gig economy while in college. It's how I paid for my bills. I work as a software engineer so I'm good now lol In CA, I did make a decent amount working delivery tbh

[@E-Nigma_]

@@mikeyserrano9748 How long ago was this? Things are different from a few years ago. The profit margins have eroded significantly. In college, all you have to worry about is breaking even, especially if you’ve taken out loans. In life, you need something more sustainable, that’s my only argument. Gig work is extremely exploitative. If you’re working software in California, you entirely understand the point I’m making. And since you once participated in the gig economy, you have even more experience with this understanding. I’m willing to bet you wouldn’t trade your current job for gig work. Night and day difference.

[@toriambrr]

her face 😂😂 she’s like “i don’t wanna talk about this anymore”

[@triple_gem_shining]

Been watching all Caleb's vids. Graham and I have too much in common . Thanks for being an inspiration graham

[@TheGrahamStephanShow]

Glad you like them!

[@YourDriverMike]

Spot on food delivery drivers should aim for $1.75/mile and $25/hr minimum. IRS deduction is 65.5 cents per business mile this year PLUS you need to set aside ~20% of your gross earnings (what’s deposited) for taxes.

[@Rosie-rq2kx]

finally someone who is real about door dash working and insta cart sometimes not worth it with gas prices and wear and tear on your car .

[@elizabeths.3634]

This was great. I agree with you that Dave Ramsey would be great for that lady. I hope she manages to get this straightened out in one way or another.

[@TheGrahamStephanShow]

Agreed!

[@princeboateng694]

This girl is the type that will spend the rest of her life in debt and keep increasing that debt. She will find loopholes to keep getting money either from credit cards or loans. I mean her mentality when she used her savings for Jack Harlow tickets like what!? You in debt and spent money on a useless thing.

[@alisalaska1786]

I feel like so many just choose to live in ignorance and don’t want to sit down and figure out how much money is coming in versus going out. Living in avoidance is easier than dealing with it. And I’ve been there so I get it. But it’s still crazy.

[@retrogirl2498]

Her situation is so sad bc she could easily get a food service job to work short term to pay off her credit cards. Work her but off hate her life for 2-3 months like Caleb said and fix her situation bc her balances if 500 and 700 are very attainable amounts for her to earn but she won’t. Also her car that costs 20k is wayyy to expensive for her income idk why she didn’t think about that.

[@gregorypaine513]

SHE DOESNT CARE! LIVE RICH than worry later!!

[@CluebearBacon13]

You know, I didn’t go to college, but at 21, I have a really well built Savings just from working. $50k in the savings, 20k in checkings, have a 401k started. Yea, did I miss the “college experience” but I’m much better setup for my future I feel. Helps that I don’t buy anything for myself unless I literally need it (phone is broke, clothes are ripped, ect) don’t go out to eat, keep my expenses low as possible

[@lanenadrz]

Wow! 👏🏽👏🏽 I am 28 years old and still working on that so congratulations ! I can only imagine how proud your parents must be

[@NSGLiv]

Congrats on the success

[@xxtoptankxx6873]

I would get you some clothes man. Wearing clothes with holes in them??? You are going too far with it lol

[@Bigmatt7]

Definitely need big savings if you're jumping to a new state without a job lined up. I moved from Nebraska to Kansas during covid lock down time with no job offered. Fortunately I had 9k in the savings, and I was working on getting my tanker endorsement for my cdl.

[@miki77YT]

LETS GO! Caleb is great, glad he's getting the recognition he deserves.

[@mr.kilpatrick2991]

the girl seems pretty uninterested in improving anything in her life. She appears pretty lazy...Im sure once you give it a little time she will be yet another one blaming this and that and everything around her for the position she is in. I can't feel any sympathy for people like this. They get what they deserve.

[@Satanic_Jispanic]

One red flag that many girls my age have, is that they love to spend money that they don’t have and it’s more common then you think the more you talk to girls.

[@zanneizzo8113]

Some people get the attitude `hey, I'm already $50k in debt, what's another $10 Starbucks? `

[@mrgjsolorio]

This is basically me in a nutshell, I need to work on paying off my cards

[@1kaaa]

After this week, I will have my credit cards paid off. Now just have a $289/mo car payment

[@QuartzTech]

Girls want a guy who is 6+ feet tall and makes over 100k yet they live like this themselves :D

[@xhezmijakupi1995]

Graham's video, fun. Caleb's video fun. Graham's reaction to Caleb's video, double the fun. I hope this series continues!

[@jonimarquez2202]

I love Caleb. He is so patience with some of these people who are clueless on finances. I thought I was bad but when I hear other peoples stories then I don’t feel so bad.

[@mmp495]

Depending on the user, credit cards give a false sense of having money...dangerous! She needed to see this on paper. 💳💳💳💸💸💸💸

[@DeeKate]

My ex was 30 with $180k of debt and I have no idea how financial institutions kept giving him credit cards.

[@c.johnson1789]

Why not? If they paid off the minimum every time then the companies know they have a lifetime sucker.

[@DeeKate]

@@c.johnson1789 no, he's in bankruptcy now. He wasn't paying any of it off. He'd max out a card, not make payments, go into collections, and then go to a new financial institution and get a new credit card.

[@LLTrades]

Damn